milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2016 about Debt collection (Mortgage) with Delta Outsource Group, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I asked that they not call me but to communicate with me in writing. They said that I needed to send them a written request not to contact me in writing, otherwise, they are within their rights to call me. ( See attached letter. ) Is that true? 
I 'm rebuilding my financial life, after these institutions torched the economy. I plan on negotiating with each of my creditors once my financial situation becomes stable. 
Here 's my request, I 'd like to know if this is a legitimate collection agency, I 've heard that there are a lot of unregistered, unethical, and illegal collection agencies out there. I want to make sure this is not XXXX of them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (WI).
Issue: Loan modification,collection,foreclosure

Complaint: We refinanced our mortgage for a lower rate. We went with a local bank instead of through our previous lender, Flagstar Bank ( MI ). On XXXX/XXXX/16 I made our last mortgage payment over the phone with a Flagstar representative. I received a confirmation e-mail. This past week my husband kept receiving calls from Flagstar Bank stating that the payment was not made due to " insufficient funds ''. My husband has $ XXXX in his account. The Flagstar representative did not take down the correct routing number. Our new lender wired the payoff amount to Flagstar Bank and it was returned since Flagstar stated that I we needed to pay additional fees of : {$340.00} in order to pay off the loan. On XXXX/XXXX/16 I called and paid the additional fees and the mortgage from XX/XX/XXXX. I tried over the phone to get the fees waived with no luck. I want Flagstar Bank to refund me the amount of {$340.00} for their errors. I should not have to pay a late fee for their mistake. Their errors almost demolished our refinance.

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 06-04-2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX a loan modification was approved on my loan serviced through NationStar. In XX/XX/XXXX NationStar advised me that there was an error in the XX/XX/XXXX modification and that the modification needed to be re-executed. In XXXX XXXX I re-executed the XX/XX/XXXX loan modification and returned the paperwork to NationStar. Upon inquiring with my county records office, they have no record of NationStar filing the original XX/XX/XXXX loan modification. In XXXX XXXX I received an email from Nationstar stating that the loan modification paperwork I re-executed in XXXX XXXX can not be located. NationStar continues to negotiate in bad faith by not filing the original XX/XX/XXXX Loan Modification and continuing to lose loan modification paperwork. Additionally if there was a defect in the XX/XX/XXXX loan modification why did it take approximately 2 years for the discovery. This further substantiates that the XXXX loan modification paperwork was never originally submitted to my county records office. Please see attached email from a NationStar representative confirming the loss of documents.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 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: Went through a loan modification in XXXX with XXXX XXXX XXXX. My husband had a XXXX XXXX XXXX and had been out of work. Mod was approved at the end of XXXX, payments to start the trial mod in XXXX or XXXX. All completed on time as agreed. Final modification went into affect XXXX XXXX, 2017 was told throughout the process, the account would be updated to reflect current payments. Now I am being told that ca n't and wo n't be done. I would have not gone through all of this had I not been assured in several phone calls that every thing would be updated to current one the modification was approved. I could have paid XXXX and XXXX late and been current from XXXX forward. I would have been better off financially for sure. 
I only want the time from XXXX removed as that was the time to wait for the trial period to begin. I offered to pay the loan every month and was told not to do so. I think it is only fair to remove the 60,90 and 120 day plates as that is not accurate

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 Mortgage (FHA mortgage) with Shellpoint Partners, LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: While in the process of refinancing my home on XX/XX/2017 the loan processor attempted to obtain a payoff letter from Shellpoint Mortgage Servicing sent directly to XXXX and was told it would take 48 to 72 hours to send. On XX/XX/2017 loan processor was told I being the mortgagee could only request the letter which I did that day and on XX/XX/2017 on those days was told the same thing 48 to 72 hours to process the letter, on XX/XX/2017 made another attempt to request the pay off letter I was told i would have to authorize in writing which was done when original request was made to Shellpoint by the XXXX loan processor also that this request would take 3 to 5 business days, also that Shellpoint is a collection agency that purchased my loan several years ago and that my original loan is at 7.3 % interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (I do not know) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We repeatedly receive computerized phone calls from Enhanced Debt Recoveryphone # XXXX even though we have no debts and are on the no-call list.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: I am not able to login to my account via photo ID. They then ask me to take a photo via the phone app. I am not able to do so since I ca n't login ... I do n't understand why the app is like this. If I ca n't login via the browser on my computer, how can I login via the phone app to click on the option to send a photo ID?

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Billing disputes

Complaint: hhgregg/synchrony bank, has been taking my payments and not crediting my funds to my account with them..i make my payments on time in hhgregg store were ive purchased my items from, i have all my recipts from the store, but allways say they did n't get the payment and they charge me late fees keeping my account back in errors..there ecstorting money from me!! ... .Please HELP ME with this..

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 monetary relief
Consumer complaint received 12/13/2017 about Mortgage (FHA mortgage) with CITYWORTH MORTGAGE LLC (NC).
Issue: Closing on a mortgage

Complaint: I started he house buying process with this company and it was an absolute stress filled nightmare. the broker did n't explain things very clearly at all and neglected information at times. say one thing one week, then say something completely different the next. the broker, and loan processor were XXXX near impossible to reach when needed. also a lot of other people I asked about the way this company was doing things all told me that they were shady and not to be trusted or sounded like they were doing some unethical practices. in the end the deal fell thru because of how bad they were dragging their feet and stringing me along. I was also supposed to get me earnest deposit money back, but the kept that and told me they had to get paid somehow. the deal also fell thru and we lost a very nice home. im reporting them to anyone i can because they are a shady company that will steal your money. the company is CityWorth mortgage.

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 12/23/2016 about Debt collection (Non-federal student loan) with Patenaude & Felix APC (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX XXXX from Law office of Patenaude & Felix called me at XXXX today. XXXX XXXX asked me if I intend to make payments on the loan I owe. I explained that since I have records of only XXXX loan being signed I had requested from XXXX XXXX, the representative at their law firm, proof of the second loan. XXXX XXXX proceeded then to threaten that they would enact the judgement against me, even though I 've repeatedly tried to get proof of this second loan that they insist I owe them. He harassed me by belittling everything I said and when I told him I could pay about {$100.00} a month he said, " Ha, you want me to do all the leg work for $ XXXX/mo that will take you 18 years to pay ''. I explained over and over again that I wanted to work with them but I 'm in a financially bad situation. Over and over again he made me feel scared about what they could do to me. I told him that I did n't want to speak to him any further and that I wanted to speak either to XXXX XXXX or the lawyer on my case, XXXX XXXX. He then said, " do n't you hang up on me ''. My husband and mom who were listening to the whole entire conversation were shocked and my husband kept saying hang up, but I did n't, even when I was physically shaking and crying. This was by far one of the scariest and traumatizing collection calls I 've ever had. XXXX XXXX has been rude to me in the past, but never like this. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Payday loan () with Big Picture Loans, LLC (LA).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a XXXX payday loan from Castle pay day. They are charging a XXXX finders fee for this loan every month. I have to pay something on the principle plus finders fee. The rate is somewhere around 575 %. is this legal

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had a car accident on XX/XX/XXXX. I took a leased car on XX/XX/XXXX from the XXXX XXXX  XXXX XXXX. The loan was pre-approved from XXXX 's bank, but the GAP company didn't process the payment they had to make for the car I lost in the accident. The dealer was scared to lose the contract with the new car. They looked at my credit score at the beggining, so I think they started to check my credit score again three times with three different companies without my permission, change the contract, and try to sell me the car instead of leasing 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 explanation
Consumer complaint received 01-08-2016 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Home foreclosed w/o proper notice

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have a pending complaint against this company. They are trying to obtain debt verification documents - as they do not have them. Despite not having them, during the past month they have affirmed XXXX that their tradelines are reporting correctly XXXX after I disputed them XXXX. THIS IS A SEPARATE DISPUTE FROM MY EXISTING DISPUTE. This is an outrage and an egregious abuse of the credit reporting system in the US. I demand the immediate removal of these tradelines until this dispute is resolved. How can they affirm their tradelines to these bureaus when they have admitted that they do not possess the needed documents? They should be sanctioned for this abuse of the credit reporting system. This is why the credit reporting system in this country is plagued with problems, they simply accept as truth everything they are told by third parties!

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing the loan or lease

Complaint: The above mentioned account is being reported as severely derogatory on my credit report. 

Late payments being reported : 60 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to. 

2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the charge off status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my dispute letter 6 ) Date of payments and statements that were sent. 

7 ) All address change requests and the fulfillment of the payment change.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Overlimit fee

Complaint: In the transition between XXXX XXXX XXXX and Citibank, my balance was not transferred from XXXX XXXX to Citibank completely. XXXX and Citibank sent out notices stating that because of a change from XXXX they would be closing all XXXX related american express cards and transferring the balances to Citibank, their new partner. Although I did not want this I had no choice. Now I find out that Citibank did not transfer the entire balance and would be reporting my account as over limit until. when I questions this the agent stated that he did not know what that report would do to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Phone number calls every single day, in and outside of business hours to my work phone claiming to be from capital one. I do not have any affiliation with capital One, nor does this agency. 

A search on the internet shows that this is potentially a scam and asks for deposits, social security numbers, and other personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Harassment from Navient- in addition to 3 calls received on landline XX/XX/XXXX Navient has called 12 more times in 4 days as follows : XX/XX/XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( rang 2x, cut off, called again XXXX XXXX ) XX/XX/XXXX XXXX XXXX The phone number they are calling from is XXXX though other unidentified numbers may also be used.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Update to prior cfpb dispute XXXX : I have received a final written response from Equifax Information Services LLC. The number of calendar days from US Postal Service XXXX Mail mailing ( proof of mailing attached ) to receipt of a response from Equifax is 39 days total. 
The true dates of first delinquency on these accounts are more than a decade ago, as these accounts were opened in XXXX. Moreover, the accounts have been paid in full for nearly three years. 
My XXXX prior requests for copies of my signed Consumer Disclosure Files ( in order to prove debt re-aging ) have both been disregarded and ignored, while a total of XXXX ( XXXX ) alleged missed payments are still being illegally reported in my credit file. I have provided scanned copies of my written requests dated XXXX XXXX, XXXX and XXXX XXXX, XXXX with proof of mailing for each hand-written letter. Equifax 's response does not even mention or acknowledge that I requested these documents, and the accounts have been erroneously " verified '' despite being disputed more than half a dozen times. This has been going on literally for years, trying to get these false and damaging inaccurate records either corrected or simply deleted. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/XXXX Complaint of Harassment Managing Authority XXXX RE : Breach of THE FAIR DEBT COLLECTION PRACTICES ACT On XX/XX/XXXX my son,, was a patient in XXXX XXXXl XXXX in the ER department. His insurance at the time was XXXX XXXX XXXX The healthcare provider did not submit the claim in a timely fashion as per their agreement with XXXX XXXX and as a result I was personally billed {$710.00} instead of being fully covered as part of my Emergency Room copay. 
I notified XXXX on numerous occasion of the situation and also filed an appeal with XXXX XXXX so that they would pay the claim although it was NOT my responsibility for the negligence of the Dr 's office billing department. 
I have received over 10 letters demanding payment from XXXX including more recent attempts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. I have also received harassing phone calls on a frequent basis. 
In XX/XX/XXXX, after repeatedly informing XXXX   representative on the phone that the full amount of {$710.00} was being processed by XXXX XXXX in an appeal, she threatened me that if I would not make a payment immediately, that my file would be in full collections and my credit would suffer. She stated that the only way to stop the lowering my credit would be to pay now. I made a payment of {$25.00} to stall the demise of my credit score. 
At that time, I was in a strained financial situation but I was pressured to lay out a sum of money in good faith. However, this payment did not stop the biweekly intimidating phone calls and letters. I explained the situation to XXXX when I received the latest hostile phone call on XX/XX/XXXX again, reiterated that I was actually owed back the {$25.00} paid because XXXX XXXX was paying the full {$710.00}. The representative said that I was going to be placed in aggressive collections and it will affect my credit. They said its not their responsibility to check if the debt is valid. This tactic of pressuring and misrepresentation of facts is blackmail and harassment. I have repeatedly written to XXXX and spoken to them as well as XXXX XXXX medical office. Instead of waiting for the claim to be processed by XXXX XXXX, which is out of my hands, they are trying to bait and blackmail time with pressure and threats. Please be advised that I will be making a formal complaint to the Consumer Financial Protection Bureau. I This claim is in the process of being paid by XXXX XXXX XXXX XXXX and is therefore, not my patient responsibility. The reason for the delay is the error in billing and oversight by XXXX XXXX XXXX office, not my own.

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 09/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Consumer has tried numerous times to have credit agency to remove or update inaccurate information on report referencing XXXX # XXXXAll payments and equipment was made and/or returned directly to XXXX in XXXX, Kansas therefore this account should have never been reported as derogatory on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief