milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: The account in dispute is a Capital One MasterCard account. On Monday, XX/XX/XXXX, I purchased merchandise/consumer good " Bitcoin '' in the amount of {$470.00} from XXXX XXXX, a company based in XXXX, XXXX, with my Capital One MasterCard account. Then, on Tuesday, XX/XX/XXXX, I purchased merchandise/consumer good " Bitcoin '' in the amount of {$550.00} from XXXX XXXX, a company based in XXXX, XXXX, with the same Capital One MasterCard account. Bitcoin is a private, speculative non-cash " Cryptocurrency '' which I purchased for private investment purposes. It is no different than a purchase of any other merchandise item for investment purposes, i.e. : Classic Automobile, Antique Furniture, Famous Painting, etc., and it's value is only based on variable individual human perception. Despite it's description label of being a " currency '', it is NOT a traditional public currency as regulated, controlled, issued and recognized by established global Governments and their authorized, legal Banking institutions and Monetary Systems. ( Capital One itself does NOT even recognize or accept " Bitcoin '' as a legitimate legal currency! They will NOT accept " Bitcoin '' for payments, deposits, etc.! ) The dispute in question is not about the ( 2 ) above listed Capital One MasterCard charges - they are legitimate. It is regarding the fact that I have been charged " CASH ADVANCE INTEREST '' and a " CASH ADVANCE FEE '' for which I have received NO CASH! On XX/XX/XXXX, a CASH ADVANCE INTEREST CHARGE of {$2.00} was assessed, then on XX/XX/XXXX, a CASH ADVANCE FEE of {$16.00} was assessed, and finally on XX/XX/XXXX, another CASH ADVANCE INTEREST CHARGE of {$6.00} was assessed. The grand total of these erroneous charges comes to {$25.00}. When I contacted Capital One directly by telephone regarding these fees/charges, they adamantly refused to do anything about these charges. ( Interesting, isn't it?! ) They also refused to give any legal proof that " Bitcoin '' is in fact " cash '', neither could they tell me where I received this " cash ''. CASH, as defined by XXXX 's Law Dictionary, is : " Ready money ; whatever can be used as money without being converted into another form ; that which circulates as money, including bank-bills. XXXX v. XXXX, XXXX XXXX. XXXX ; XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX ; XXXX v. XXXX, XXXX XXXX. ( Va. ) XXXX ; XXXX v. XXXX, XXXX XXXX. ( N. Y. ) XXXX. '' As you can now CLEARLY see, " Bitcoin '' does NOT fit this legal definition whatsoever! These actions by Capital One obviously constitute both FRAUD and THEFT, and demand is hereby made that Capital One immediately withdraw these three illegitimate " CASH ADVANCE '' related charges and credit back to my account the full amount of {$25.00} without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UBER TECHNOLOGIES INC (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I never gave permission to any one to view my credit for any reason I have tried to call company and left messages without return info

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (FHA mortgage) with Statebridge Company (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We received a trial modification plan which we paid. In XXXX, 2015, our trial modification was converted to a permanent modification. We made our Payments in XXXX and XXXX 2015. On XXXX XXXX, 2015, Statebridge sent us a Notice of Intent to Accelerate our loan, claiming that we were behind {$7700.00}. This is simply not correct. We are current on our mortgage per the modification agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: First Credit Services is trying to collect a XXXX Debt, that i settled, and paid off to XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (OK).
Issue: Trouble during payment process

Complaint: For 1 year now I have been trying to save this home I sent paper over 10 times they say they never got it I offered to pay house off they refuse to work with me

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 01/27/2016 about Debt collection (Medical) with I.C. System, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted by I.C. Systems about a year ago, they called my cell phone repeatedly until I picked up. They asked me to confirm my information, to which I asked who they were. All they said was I.C Systems, I said " OK. And who are you? '' They told me they needed me to confirm my address, after multiple attempts I got fed up, and gave in to giving them my address. They told me that I owed them money from a previous doctors bill. I asked them to verify the information they were talking about. They could n't. They just told me that I owed them money from a doctors office. I told them they needed to send me information on this, to which they responded " We sent out a letter yesterday, we need you to make a payment. '' I told them I was n't making a payment to them without any information. They told me the letter was in the mail, to which I replied " ok, when I get the letter in the mail and review it, I 'll call you back. '' They called me again and again, same song and dance, telling me I owed them money and I needed to pay it. I told them I never received any paper work form them. They got very nasty with me and told me that it was sent out and that I needed to make a payment. I told them I would review the paperwork when I received it, and I would call them back. They kept calling, and I did n't pick up. It 's now a year later and I still have not received anything from them in the mail, even after confirming my address with them. 

This is harassment. They are non-stop calling, have n't sent me any information, they do n't confirm that they are a collection company or that they are collecting a debt and are very nasty. I have no problem paying my debt, but it wo n't be before I have any written information. This is now destroying my credit, because it 's been on there for a year, and I have n't received anything in the mail. I really hope that you can do something about this company because they have tons of bad reviews and do n't seem very reputable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I would like to make a complaint against Carrington Bank. XXXX XXXX XXXX sold my mortgage to this company in XXXX of 2015 with no notice to me. Carrington Banks has increased my mortgage payment with no explanation. When I try to call to ask, they claim it is because they need a " two month '' cushion for escrow payments. They have also consistently made sure that my payment is late, either by telling me that my bank account is not valid and then locking me out of my online account. These actions then force me to call Carrington and pay by phone which costs an extra XXXX dollars + the XXXX dollar late charge + the 30 day late payment on my credit report. Plus Carrington, then sends letters that they are starting foreclosing process on certain dates because my payment is late. I would like to refinance to get away from this company, but Carrington has made it impossible to do so because it looks like I am constantly late on my payments. PLEASE ADVISE HOW TO GET AWAY FROM THIS COMPANY!! 
I know I am not the only person to have these problems. If you look at the complaints on XXXX and other various online sources. There are many people facing the same issues. This mortgage business is not even BBB verified!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My uncle passed away in 2009, he was my co-signer of my private loans with XXXX XXXX. At that time when I submitted all the information they informed me that my loans were in default due to the death. Now 7 years later, Navient, is now trying to collect off me once again but my Uncles name is still on their loans and he should n't be. They have harassed me with phone calls at work, previous jobs, family, email, calls to my cell phone and through mail. They are very threatening each way they contact. Plus my original loan that was in default had a way lower interest rate from what they now show. These are crooks and something needs to be done

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have all these hard credit inquiries on my credit report which I did not approve. How can I get these removed? they all happened on XXXX XXXX, XXXX please help me remove these from my report? 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received by mail a letter from Midland Credit Management Inc. that a judgement was entered against me on XXXX/XXXX/2016 for the amount of {$1700.00}. The letter reads that a judgment remains unsatisfied, and that I must disclose my finances to them. I was never served a lawsuit. I have looked up my county records, and see now prior or current lawsuits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/23/2016 about Credit card () with DISCOVER BANK (OR).
Issue: Rewards

Complaint: I was offered a XXXX % cashback promotional rate from Discover Financial on my Discover IT credit card for all purchases made with XXXX XXXX from XX/XX/XXXX - XXXX/XXXX/15. I received cashback for XXXX of XXXX transactions and received e-mails XX/XX/XXXX and XX/XX/XXXX that I was being denied for the XXXX other purchases becuase they thought the purchases had contained gift cards. When I asked for them to clarify what I was being denied the XXXX % cash back rate for, I was told I needed to provide receipts for each purchase. This, weeks or months after-the-fact. There was no mention of receipts needing to be retained when the promotion was launched, or at all during the entirety of the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Debt collection (Non-federal student loan) with Convergent Resources, Inc. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX representing Convergent Outsourcing called XX/XX/XXXX in an attempt to settle up XXXX accounts they are trying to collect for XXXX Student loan Trust. While talking to XXXX XXXX she had stated that XXXX would settle for {$29000.00} and then the next day I was sent an email saying that XXXX would settle for {$43000.00}. I feel that this company is not a reputable company if not a scam. I have recently sent them a letter requesting them to send proof that these loans are valid since XX/XX/XXXX we filed bankruptcy on these loans and feel that they have been satisfied then.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: Around XXXX, I sold a pair of XXXX headphones via XXXX. I sold it to a man for about {$190.00}. He paid me via paypal and asked me to send it asap as it was his brothers birthday present. I understood of course, so I sent it as soon as i could. Of course, I didnt know that it was a pending payment, not yet fully received in my account because as soon as it was shipped, the buyer canceled his payment. I tried calling XXXX and they said there was nothing they could do ; i was scammed. I tried calling paypal, but i was put on hold for 30+ minutes multiple times. I tried the call me back function several times and I was never given a call back. I tried filing a dispute on the Paypal website but it said lets try that again. Looks like something went wrong on out end. I tried multiple times on all browsers ( XXXX, XXXX, and XXXX ). I finally tried emailing their customer service but they just sent me a generic message saying that it was the " transaction was not eligible for PayPal Seller Protection '' and recommended I just file a complaint to the XXXX, which I have already done, and have yet to hear from either. Overall, it has been impossible to contact Paypal, and they have done absolutely nothing to even try to remedy the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX This number has been calling me every few days and claim to be " portfolio recovery '' debt collectors. Every time I answer they ask for my name and then say the must have the wrong number and will fix it. They continue to call. The only information I give them is my name and they can see it associated with the number I call in on. When I asked who they were trying to reach at this number they were non-responsive. When I called back and threatened to report them they said they were looking for " XXXX '' and said they will remove my number from her file. They were very rude throughout the process.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Credit card) with ARS National Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from ARS. They were notified that the debt does not belong to me. I requested validation within 30 days, which I received 3 months later a statement for an address I have n't lived for at least 7 years. I asked for proof of whom and when the fraudulent account was opened and never received that. My mother faxed over documents to them and they sent a letter for me to my mothers job. I want them to STOP sending collection noticies to my mother 's job ... ( XXXX XXXX XXXX XXXX ). I gave them my PO Box address to send any communication ( XXXX XXXX, XXXX, NY XXXX ). I want to receive proof of whomever and when this account was opened and I want to stop the harassment collection actions and also to have them remove the fraudulent information off of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Trouble during payment process

Complaint: Wells Fargo has disabled  my ability to make my loan payments online. This complicates the payment process and can lead to late payments. There is no reason that my ability to make online payments should  be disabled. I  have NEVER had an online payment be rejected.     This is clearly an effort to make it harder for me to make my payments so that they can accelerate the forclosure process.     They have also offered to allow me to make a payment in a lower amount, but refuse to clearly define how this altered payment will be applied. They expect me to give them money with absolutely no knowledge of how it will be applied. They tell me that these payments will get me set up to a new payment plan which they also refuse to define. It is completely unacceptable that a bank be so ignorant and secretive about my money.

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 11/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: 1st they have an address as my previous address XXXX i never lived there 2nd they have a public record nj federal court account # XXXX thats not mine they refuse to investigate have them send you proof XXXX account XXXX account # XXXX this is being reported in correctly also XXXX account # XXXX this account as well is being reported incorrectly

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (I do not know) with McCarthy, Burgess & Wolff, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from McCarthy , Burgess & Wolff, their reference number is XXXX. They are representing XXXX. I have never done business with that company. McCarthy, a debt collection company, claims that I owe XXXX I called them and told them that I did not do business with this company and that I will not pay this bill as I have never done business with XXXX. I continue to receive letters From McCarthy , Burgess & Wolff. Whom ever incurred this debt in my name is a criminal and the victim, XXXX, should file a police report in the proper jurisdiction. I am not responsible for this charge. 
Respectfully, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Re ; loan # XXXX Over the past years Nation Star assumed servicing of my home mortgage from XXXX ( XXXX ), who assumed it from XXXX XXXX XXXX XXXX XXXX XXXX, who assumed it from XXXX who was the original bank on XXXX/XXXX/XXXX. XXXX invited me to a loan mod out reach event in XXXX RI years ago when they serviced loan in which they identified mine as " preditory '' however were unable to help me after it was determined the " investors '' didnt participate in a program of relief for my product ...??? 
Over the years since XXXX no servicer has honored my adjustable rate rider terms which was to drop my rate annualy & calculated an inflated arrears amt since I fell behind in XXXX that year. This inflated balance has also effected numerous in house loan mod denials as it throws off ratios. Last month Nation Star falsely claimed {$350000.00} amount in arrears on my loan mortgage ( if determined to be valid ) is incorrect. At time I fell behind in XXXX XXXX my principal was around $ XXXX & now I 'm informed its $ XXXX along with this additional $ XXXX in arrears! 
In past servicers such as XXXX & your own co. had indicated the wrong interest rate at 6.75 % beyond XXXX XXXX. My rate was to be fixed for 5 years per my adjustable rate rider originally signed with XXXX. Effective XXXX XXXX it was to have adjusted to 3.75 %, 2.875 % on XXXX XXXX, 2.75 % XXXX XXXX, & 3 % XXXX XXXX. Bank XXXX acknowledged the XXXX rate adjustment in XXXX prior to XXXX servicing the loan. Sls had acknowledged the rate however it was not consistently correct on statements nor in calculations as with your co. Although they now finally indicate the correct rate is being applied currently ; I retained a CPA who can not substantiate a past even less recent aggregate amount. In the past I had an Attorney, a CPA, & myself requested a review of this matter as well as a corrected amortization schedule. I no longer can afford to pay an attorney & CPA to make sense of the aggregate as its a waste of time & the Bank is unable to provide adequate info nor substantiate past inflated amounts. 
Ive requested they rectify this issue & recalculate this aggregate as well as provide an amortization otherwise I 'm trying to secure a loan mod on an inflated erroneous amount. In past I 've been denied numerous loan mods for for reasons related to insufficient income or not enough disposable income ; which this inflated aggregate is effecting the ratios on. I was most recently denied a few days ago & once again am facing foreclosure. Please Help me & my family. " Thank You ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I used Equifax 's product TrustID at XXXX XXXX XXXX to determine if I was affected by the data breach at Equifax. After entering in my information I was initially told that I " may have been impacted by this incident ''. However I then tried a credit check on several completely fabricated individuals ( with fake last names like " XXXX '' and " XXXX '' XXXX and still received the same message that these fake people " may have been impacted by this incident ''. This is flagrant misconduct and improper reporting by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have factual documentation regarding a dispute I filed with Toyota Motor Credit creditor and the bureaus still do not investigate correctly to remove the Charge Off of f my credit report. I have letters from creditors that state account was paid in full closed and total loan amount paid. because they said they already investigated the issue no further action can be done.i need help to resolve this matter my credit score has dropped substantially Fromm XXXX to the 500 's due to that derogatory info. My father as well is impacted on this issue because he is a co signer.

Company response to consumer: Closed with explanation