milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying unsuccessfully to submit hardship documents to Ditech 's website. I receive an error message when I try to upload my documents, as well as when I try to submit a message via their messaging center on their website. The error message says to contact Ditech customer service via telephone for assistance, which I refuse to do because they have verbally abused me and lied to me when I spoke to their representatives ( XXXX XXXX and her supervisor, XXXX ) in the past. Please help me. I am simply trying to submit my hardship documents so I can avoid forclosure on this property for the XXXX time, after Ditech previously abused me by delaying their decisions and ultimately denying my XXXX short sale requests, as well as offering me a loan modification in bad faith that they subsequently changed the terms on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Bank account or service (Other bank product/service) with NATIONSTAR MORTGAGE (TN).
Issue: Making/receiving payments, sending money

Complaint: Nationstar mortgage services on mortgages are condoning identity theft, invalid mortgage paperwork, not answering questions according to respa, and providing answers without investigating, not listening to the customer, honoring documents that are copies or were never signed, copies provided to the form me and saying there legal. So far nationstar mortgage has provided a invalid original note deed of assignment, deed of trust, a invalid deed of trust provided to them by XXXX XXXX XXXX on a closed remic and assigned 9 years after the closure date. Provided invalid loan modification that was never signed by all parties, invalid amended and restated note, invalid power of attorney, and is not looking at any paperwork provided at all. the sale of this mortgage to XXXX is n't valid due to the fact that hud has no record of this loan and the remic it is not valid at all. So any resolution provided by them condones identity theft as they have shown. And why are the constantly changing there answers they tell the government one story and supply us with a totally different one with out investigating

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America has reported to the credit bureaus I was late 120-180 days mortgage payments for each XX/XX/XXXX-XX/XX/XXXX. Contacted them and they asked for bank records that dispute their reporting. I provided it XXXX/XXXX/XXXX and they responded that they were not going to change their reported although the bank records indicated I was on time and actually a month ahead by mid XXXX. They suggested we take it up with the credit agencies. This has not only impacted my credit score buy my ability to secure another home. Currently trying to contact XXXX, XXXX, and XXXX to mitigate the negative situation. Numerous attempts with BOA failed to achieve any resolution. Will never do business with them again.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used to apply for a CBNA credit card. While the account was not established the application left a fraudulent related inquiry on his credit report. We have sent an official dispute of this inquiry to CBNA however they are continuing to report the data. This is now a violation of his federal consumer rights under the FCRA.

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 01/24/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: In the first quarter of XX/XX/XXXX We were delinquent on the mortgage payments with Wells Fargo. We received the attorney demand letter dated XX/XX/XXXX for the balance due in the amount of {$17000.00} ( copy included in the attachments ) We requested a reinstatement amount to bring the account current. We were advised it would take 10 days to produce. Wells Fargo provided a letter dated XX/XX/XXXX. The account was reinstated on XX/XX/XXXX with the amount  requested. THEREAFTER an additional {$1000.00} was assessed to the account as an " unpaid advance balance ''. When I initially inquired about the fees I was informed verbally that they will eventually fall off the statement when the funds get posted to the account. I was never disclosed what these fees were for. I was never asked to pay these fees via my monthly statements. On XX/XX/XXXX I received a demand letter for reinstatement that did include the {$1000.00} PLUS the late fee. However, in their letter dated XX/XX/XXXX they state they do not include late fees on reinstatement quotes. ( which is a contradiction ) In XX/XX/XXXX when I initiated the request for full payoff I noticed these a were still  attached to the account and included in the payoff figure. When I inquired as to the exact break down and purpose of the fees I was informed {$560.00} Attorney fees, and {$460.00} in filing costs. I 've gone through an extensive process to dispute the fees and request a detailed explanation of the fees and PROOF via a copy of a paid invoice for services rendered. I do not believe these charges are true and correct. The attorney fee was quoted in writing and paid {$840.00} ( why would they neglect to include the additional {$560.00} of their entire fee in the reinstatement figure ) and the filing costs are being quoted as {$460.00} - filing what? There certainly is n't more than {$6.00} in filing fees reflected in the public records to record the cancelation of the XXXX XXXX. I have requested several times DOCUMENTATION of the paid fees - NOT JUST A WRITTEN EXPLATION FOR IT. This dispute prevented me from paying my balance in full for over two month causing additional interest to accrue. On XX/XX/XXXX I paid my account in full vowing to resolve this situation by any means possible.

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 05/19/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NM).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Tried to make several payments to my  XXXX /Comenity Bank credit card and every time I make a payment it is reverted back to my account. Also,  Comentiy bank continuously calls and harrasses me about a bill that should not exist and every time I get a " manager '' everything is back to being ok. These people h ave asked for my representing lawyer to give them a call. When asked why they want an attorney to call, they state because they want to know if you are going through bankruptcy. I want my complete account gone from Comenity for these comments and harassment or I have an attorney call with a lawsuit!! Also, on my credit report it shows perfect payments bes ides 3 pay ments and then perfect payments again, yet I have never been late on my payment, it is a failure of them actually accepting the payment

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (I do not know) with Enova International, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter from Cash Net USA saying I owed them money for an account I had with XXXX XXXX only account I ever had with XXXX XXXX was a home mortgage that I closed out in full ( per credit report ), XX/XX/XXXX. I talked to a representative named XXXX from Cash Net USA ( on XX/XX/XXXX XXXX CST ) in regards to this matter and was asked verification questions which did not match me.She asked if I was contesting this debt and I replied " Yes '' .She then steered me towards getting a credit report, which I did.My credit report shows no debt 's owed to XXXX XXXX .

Company public response: Company can't verify or dispute the facts in the complaint
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 Experian Information Solutions Inc. (ND).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I previously submitted a complaint on XXXX, Experian, and XXXX, they responded, and it was closed. 

According to the Fair Credit Reporting Act, XXXXXXXX, Experian, and XXXX are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report.

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 08/30/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: I have a college account with chase and ever since I have had the account my experience has been horrible! My account has been stolen more then twice! even In a whole different state ( XXXX ). I went to XXXX for a few months over the XXXX and only used my travel account, When I came back I found out my account was hacked yet again. Someone has completely stolen my identity and chase is letting it happen! logging into my online banking and even more! I 'm extremely upset with chase. They have credited the money back to my account and waited a few weeks to tell me that they now have to take it back! what kind of mess is this?

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Struggling to pay mortgage

Complaint: My home was forclosed on in XX/XX/XXXX, 2017. I had been working with BOA for months to do cash for keys or a shortsale, or even a modification. I went to an on location mobile help site set up by BOA to sit down and speak with a loan counselor and they were not able to assist me because the loan was FHA. ( this was not stated in the letter advising us that they had on site help ). I kept in touch with my siingle POC but they changed often sometimes even twice a month. I submitted all of my paperwork when they requested and was in contact with them up until the day of the sale. The rep stated they had had my paper work prior and was reviewing it. They said to me that they could postpone the sale and did not. I lost me home and because of that me my son and my grandchildren were homeless. I asked the rep what happened why couldnt they postpone the sale she stated it was a " mistake ''. 
I did every thing they asked of me, over and over again, package after package and they did not keep up their end. I understand that I signed a contracual agreement and BOA agreed to work with me and did not uphold thier end. As a result, we were homeless for the 1st time in my life, it is tramatic experience for me and my family, and it affected my health.

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 02/28/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit line increase/decrease

Complaint: Hi and thanks for your assistance- I went down to my bank ( Citibank ) to apply for a {$200.00} secured credit card- the bank person told me there would be no credit check. Today I received an alert from my XXXX ; looks like there was a credit report inquiry by CBNA obtained a copy of your XXXX Credit Report - Alert Type : New Inquiry Found On : XXXX XXXX, 2016- This was unauthorized by me! 
Please help!! 
XXXX XXXX in XXXX 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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: THIS ACOUNT SHOWED UNDER MY TRANSUNION AND XXXX CREDIT REPORTS. I HAD AND STILL HAVE MEDICAL INSURANCE. I NEVER RECEIVED A BILL AND IT WAS SENT TO COLLECTIONS. NEEDS TO BE REMOVED. THIS IS NOT MY DEBT. I TRIED CALLING THE COMPANY AND NO ANSWER.

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 02/26/2017 about Debt collection (I do not know) with R.M. Galicia, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that Progressive Management Systems provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have filed XXXX disputes with Equifax for a judgment being reported as satisfied. It was reported in error, and paperwork was completed and recorded to cancel the judgment that was recorded in error. The other credit agencies have accepted the cancellation document that was recorded by the court. Equifax does n't seem to understand the difference between a satisfaction and a cancellation. If they want to report the judgment as " cancelled '' that 's fine. It is showing as " satisfied ''. I would like it to be removed or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been currently working with my mortgage loan provider regarding past due payments on my mortgage account due to my husband having lost his job. I started working with XXXX XXXX at Wells Fargo bank and besides her just not being prompt or sensitive to such an important matter like our home is. Once our case was reviewed for repayment options we were told options through Wells Fargo were denied, but nothing specific was disclosed. I appealed their decision once my husband was able to acquire XXXX part time positions and asked for our case to be reviewed. According to the rep during this process our foreclosure status would be suspended. I received a call from her telling me our appeal had been denied. I began to ask questions regarding this decision. I wanted to know why and exactly the reasons why since we have more income now to cover our mortgage costs. I have yet to receive a phone call explaining anything from her or anyone at Wells Fargo, and when I contacted the foreclosure department and they advised me that my home is now in active foreclosure. I asked the rep in the foreclosure department to go over all of the fees to reinstate the loan and NOT one person can give me a break down. I really feel that we are being taken advantage of and I do not think this is even legal to do. I will be seeking legal counsel.

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 10-07-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing LLC has been misapplying our payments in order to fraudulently misrepresent that we owe one back payment ( approximately ; the figure varies randomly ). All the proof previously submitted to Ocwen and in our previous CFPB complaint proves that we have never been late or in default on a payment since our loan modification went into effect years ago. After our initial complaint to the CFPB you said we would receive an explanation from their ombudsman. We NEVER have received any explanation. On the contrary, the " ombudsman '' just attached the same documentation back to us that proves we made all our payments, with no acknowledgment of our very clear demands, no explanation of the reason for their misattribution, and no apology or compensation offered for the damage done to my credit score, my time and my health. They subject me to the constant stress of falsely threatening me with foreclosure. You at the CFPB must follow up and make sure that I receive compensation and full vindication of my financial records. You should review the case and do your own investigation, as they have failed after numerous letters and phone calls trying to get them to stop the false double billing every month. I tried to make a phone payment to them and have them apply it correctly to the XXXX bill but they said they would be applying it to the XXXX bill even though they acknowledged that the XXXX amount was paid on XXXX XXXX. By the way on the phone menu I requested the " relationship manager '' on the account. The person who answered, one XXXX, was clearly not a manager at all, even less a relationship manager, because she simply read boilerplate to me and provided no attempt to answer these questions ; on the contrary she said she had to apply the payment to XXXX as that was what showed, and said we could address any complaints to the Research Department ( this designation on the phone menu was so blatantly false that this also rises to the level of fraud ). Since there have been no results whatsoever from our bringing this to the attention of Ocwen 's " Research Department '' where they repeatedly refer us ( and who never answer ), and to their corporate administration, please review this matter and reply to us within two weeks, as this has gone on far too long ( for years ), and it is clear it will continue forever unless you take action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. ().
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My wife and I have a checking ( current ) bank account with the HSBC in XXXX XXXX. We are XXXX citizens. This account has been operated by us for the last 8 + years and never had a problem. The reason for having the account was to receive monies from tenants occupying our property and of whom live in the US. In XXXX one female tenant ran into rent arrears to a total of XXXX USD. She was given an account of the arrears prior to this and eventually on XX/XX/XXXXafter many texts to her and receiving her admission to pay same she paid that sum in 3 transactions= XXXX & XXXX USD onXX/XX/XXXX to complete the transaction. Two and a half months later, on XX/XX/XXXX, she drew the money from our account and had it returned to her bank thXXXX XXXX XXXX XXXX. She did this by presenting a Letter of Indemnity through the XXXX XXXX XXXX to the HSBC 'ACH ' department of which automatically returned the sum which was legally ours and not hers. The HSBC never contacted us to check with us and my efforts to achieve some form of explanation and apology have fallen on deaf ears. After many telephone calls from the XXXX to the HSBC being passed from 'pillar to post ' along with recorded calls we eventually spoke to a Relationship Manager who identified with us that the HSBC should have contacted us and he stated he would escalate the complaint. We have heard absolutely nothing and the person has failed to answer our emails. This is unprofessional conduct. Quite simply we would like that XXXXUSD compensated for in full due to negligence on the part of the HSBC along with compensation for all the distress and grief we have been put to. We want to know what the policy of the HSBC is in such circumstances and whether that has been breached. This is of major importance to every HSBC account holder in the US. The HSBC XXXX stated that it was their policy to always contact the account holder before releasing monies and their belief was that not only is it logical and common sense to do so but that the HSBC US would have to do the same. If not, then every account holder in the US should be informed of this anomaly in which case your money is not safe with the HSBC. We ask that we be fully refunded and compensated for all this trouble we have had to go to. Should this occur it will be the end of the  matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have XXXX on my Citibank XXXX Credit Card from the beginning. I have made my payments on time before having a XXXX in XXXX XXXX. This has affected me physically and medically where I need to use the insurance of XXXX for payments towards my Citibank XXXX Credit Card. The response Citibank XXXX XXXX department response was not truthful as to the facts. They were called by my daughter as soon as possible which was in XXXX XXXX to have a XXXX Claim form mailed to me.They have been called more than once to mail a XXXX XXXX form. They recently mailed a XXXX XXXX form this year, but NEVER the XXXX XXXX Form. I was in and out the hospital several times after that and did not received the XXXX XXXX form. 
On XXXX XXXX, XXXX I received a letter dated XXXX XXXX, XXXX that my XXXX credit card will be closed, and I recently received another letter stating that only XXXX payment was made from the XXXX claim form submitted recently. On the XXXX claim form states that I am iXXXX for 24 months. It appears that XXXX is avoiding to pay for the time of me being XXXX XXXX  which included closing my XXXX Credit Card.

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