milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: I fell behind on my mortgage summer XXXX tried to catch up, thought I worked out a payment plan with XXXX XXXX and it append that I did n't, My wife was diagnosed with XXXX XXXX XXXX, had XXXX when she was 6 months pregnant I had to pay upfront for her XXXX plus all the time off from work for booth of us, with hardly no pay, she was of f work for almost XXXX months, gave birth on XXXX XXXX XXXX her doctor made her take 3 months off work, I was laid off so I was out of work for almost 3 months a total of XXXX months with no income, I tried to work on a modification with XXXX XXXX in XXXX XXXX, the person working on my Modification would not have a result I called every other day to get a response, nothing no result, the last day of the modification I was notified that the person working on my modification never got to do it because she forgot those were the reps words, then I was denied. XXXX applied for a modification waited more than 30 days and was then again denied, XXXX applied for a modification and was then again denied no significant reason was given to why I was denied, every time I called I was given a different story, after several packets being denied on XXXX of them the agent working on my modification had added another persons income information to my loan and I was denied I XXXX applied because the information they had was not mine, I was finally approved XXXX/XXXX/XXXX when I was told by a rep. I received the modification approval letter by mail on XXXX or XXXX I called them again, asking why I received the letter so late rep stated that I should of received it sooner and that my first payment for the modification is XXXX/XXXX/XXXX for XXXX I told [ d the rep I do n't have that money right now, his response was well you have n't paid your mortgage you should have of saved that money so you can pay so you have to pay. it is not their business to know if I have money or not, I recently left a job and started a new job on XXXX/XXXX/XXXX I was out of work for XXXX weeks, no pay. they do n't take in consideration and I was told so many different stories on my modification it is silly, and frustrating, I honestly do n't wish to loose my home but they can not send me a letter with in a couple of days saying I have to pay so much or my modification will be denied, and I will loose my home. I feel I have been played by XXXX union plenty. I need help to get this resolved I wish I would n't of use my mortgage money to pay for my wife 's XXXX but everything happened so fast.

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 Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other service issues

Complaint: I have a paypal account with a credit card on the account. And yet, when I sent a payment to an individual via paypal, they decided to send the bill to a credit collection agency ( XXXX XXXX ) since I do n't want to give paypal my banking information. A collection agency that is never open by the way. And whose website does n't work so I ca n't pay this ridiculous charge with them. And paypal has closed off my account so I ca n't pay them directly or even contact them directly. This has cost me hours of time and anguish because the paypal process is completely inefficient. Paypal never contacted me about the charge that I assumed would be covered by my credit card on file. This seems to be paypal 's standard operating procedure. If you search for " paypal collection agency '' on XXXX, you will see numerous other people with the same problem. Just trying to pay the bill and clear my credit with paypal has taken hours of my time and I still ca n't reach anyone at paypal or their collection agency to get any resolution. The paypal firewall to block their own users from fixing an issue is the most concerning problem. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I decided to give Citibank a try on XX/XX/2016 due to the " Reward your drive '' promotion. This promotion promised a {$400.00} credit to all new customers to open a Citibank account, deposit at least {$15000.00}, and keep a minimum deposit of {$15000.00} for 30 days. I did all of this. I was supposed to receive the credit within 90 days of opening my account. I contacted Citibank because I heard nothing from them on when they plan to deposit this credit. Citibank then has the nerve to tell me I 'm not enrolled in this promotion because I did n't verify my email address ( This is a lie, I have verified my email several times ) and then they claim I need to provide them a promotional code. This too is a lie because the promotion states nothing about providing a code. I found a code for the promotion and send it to Citibank, then they " investigate '' why they have not honored the promation while they let the promotion date expire!! This is complete false advertising. I complied with all terms and conditions of the promotion. I even enrolled in it and opened the account from the link on Citibank 's website. They know I am due the {$400.00} credit but the entire promotion is a scam, they are not going to honor it!! If all of this is n't bad enough they refused to allow me to pay my water bill the first month because they claim I needed to verify that I had received the check I gave the water company. I have over {$20000.00} in this account but they will not allow me to pay my {$40.00} water bill! I now have to pay a late fee and credit card fee because Citibank decided to " Freeze '' my account without telling me because they want to verify that I want to spend the {$40.00} check I gave the water company! I did fax a signature to verify that I received my checks before trying to spend one. However I had to contact the corporate office to get someone to check the fax machine!! Citibank is the worst customer service on this planet and needs to be shut down!

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 09-11-2017 about Debt collection (Other debt) with ProCollect, Inc (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Pro Collect XXXX/XXXX/XXXX XXXX XXXX XXXX Apartments These apartments are falsely accusing me of XXXX when I moved nothing was owed an the apartment was clean. I have received calls from pro collect with rude services trying to make me pay a debt I do n't not owe

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a plumbing leak in my hall bathroom. I contacted my homeowner 's insurance company XXXX XXXX XXXX XXXX and filed a claim. Today I have found out that the check they issued is to me and Seterus, the mortgage service. In order to cash this check to complete the repairs to my bathroom I need Seterus to endorse the check. Upon contacting Seterus, they said we need to file a claim with them for the plumbing and water damage as we did with our insurance company. They will send out paperwork to be filed out by us and to allow 5-7 business days for us to receive the paper work. Then we need to send them back the paperwork along with the check so they can endorse it. Once they have received our claim and the check, we need to allow them 3 more business days to review our claim and endorse the check. Then they will mail it back to us and we need to allow additional 5-7 business days to receive it. This process which was started on XXXX XXXX with our initial call to the insurance company and has already taken 3 weeks and been extended by an additional 4 weeks because of Seterus, the mortgage servicer. I have no guarantee that I will even receive everything back by the week of XXXX XXXX. In the meantime we do not have full use of our hall bathroom for now a minimum of 7 weeks plus whatever the amount of time for contractors and plumbers to be able to repair the pipe, walls and tile. This is an unjust way to do business and I feel the practices of Seterus need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XX/XX/2016 I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have move out in XX/XX/XXXX in XXXX in XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX. The reason we got kick out from the apartment not due to none/late payment, just we behind renew the lease due to we out of town of the renew period. On the last day before we move out, we asked how much we owe then we could pay off it. and the staff in the administration said they will contact us for payments. Ever since the I never hear from them and tho our deposit could cover because we never got it back. but 6 months later, in XX/XX/XXXX we got call from ( XXXX ) XXXX Michements due to none payment. I have told them that we got attorney to take care the case. But we continually receiving 2 call from them. and the case been hold for 3 months. on XX/XX/XXXX I received call at my office from XXXX XXXX of National Credit System. She said we still owe them money. I told her my attorney will take care of it and I already mark down their information. But ever since the first call from XXXX, I been continually received her call 3 times a week in my office. Its really distributing my life. Even I had told her we will talk to my attorney about it. On XXXX/XXXX/2016 She even asked my co work if she could speak to my manager because I was step out of office. Their company is National Credit System. XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had contacted  XXXX  about providing high speed internet at my house. They charged me then subsequently found out that they could not provide this service at my address. Naturally, they told me that I did not owe anything and yet somehow they continued to send me bills and eventually sent the bill to collections. I have had repeated conversations with  XXXX  where they say they have no record of me owing any debt, yet the debt continues to hurt me on my  credit score. Ple ase help as I am trying to purchase a house and this debt not owed is impeding my ability to get the best rates that I deserve.     Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Debt collection (I do not know) with Midwest Fidelity Services, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX   XXXX  contacted my employer and called my place of employment. I do not know what the call is in regards to. She needs to cease all calls to my employer for they are not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Billing disputes

Complaint: This complaint involves a transaction with Wells Fargo Bank. On XX/XX/XXXX I signed up for a Premium XXXX account after being solicited by this company. The email I received said that I should cancel this account by XX/XX/XXXX, a Saturday or I would be charged a {$570.00}. XX/XX/XXXX and XX/XX/XXXX I had a pulled hamstring muscle and was unable to walk and also sick with the flu. I intended to cancel the Linked In account on Saturday XX/XX/XXXX but due to the above distractions I forgot to cancel on XX/XX/XXXX. At around XX/XX/XXXX on Sunday, XX/XX/XXXX I remembered that I had forgotten to cancel my Premium XXXX account and I emailed XXXX saying I was canceling it. However, no one from XXXX answered my email and XXXX does not have a phone number. On Monday, XX/XX/XXXX, I phoned Wells Fargo Bank and the representative I spoke to said that the charge of {$570.00} had not yet cleared my account. So I asked her to stop the charge since I think technically that the money is mine until the transaction clears. I know that you can stop payment on a check and assume the rules are the same with a credit card transaction. This representative said she could n't stop the charge because the money had n't yet cleared my account so I asked for a supervisor. The supervisor I talked to said she would put a claim on my account which is claim number XXXX. She said I would hear from the bank about this claim in ten days. On XX/XX/XXXX I received an email from Wells Fargo saying they had completed their investigation and they would send me a letter explaining it. However, I have n't yet gotten a letter from them. I also noticed that Wells Fargo had not credited the {$570.00} to my account. I called today and a banker said the claim had been closed. I assume, therefore that Wells Fargo will not be crediting my account for this amount because they would already have put the money back into my account.

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 09/27/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Rewards

Complaint: This how my ordeal with Bank of America Started : Bank of America issued me a credit card that comes with a XXXX % cash back reward on all purchases. I accepted the offer because of the terms and conditions on the card. The card has 0 % apr for purchases and balance transfer still 2017. I felt the card would come handy for the project I need it for. 
After having shopped with the card I saw the imaginary reward appear on my banking app issued by bank of america. 

But the irony to this shady and unethical practice is, when I clicked to apply the rewards to my account, a note popped up stating " this offer can not be redeemed, call customer service for assistance. 
I called customer service as noted and I was told by the service associate that my account has been closed that 's why I can not redeem the offer. 

Wait a minute. I said okay and I told the service representative since my account is closed, apply my rewards to card and still have the card remained closed. Mind you, the never notified me that my account has been closed despite making timely payments on my account. 

In order to be on the safe side, I closed my checking account with them because the derserve a penny from me after many years of rip off. 

I told them plainly, " no rewards no more payment '' not until this dispute is resolved. The next time will be to file class action suit against the financial institution for operating and running a ponzi scheme. 

And I believe some hard working american are falling prey to this financial predators. I will not stop until justice is done.

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 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Submitted disputes XXXX 2017 and XXXX 2017 to Experian and XXXX that information regarding a bankruptcy they were listing is inaccurate. Each time they responded they had verified the listing. I asked for their procedure they used to verify bankruptcy I never recieved 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 11/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: US department of education loans were taken over by XXXX and now they both appear on my transunion credit report, and the US department of ed XXXX appears under collection from 2011 even though I have been making the regular payments. XXXX and XXXX are not showing this. It 's impossible to speak to any representatives at Transunion because their phone system does n't recognize when you dial your choices. I have started an investigation online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MN).
Issue: Loan modification,collection,foreclosure

Complaint: Prior to the week of XX/XX/2017 I was told I could send approximately {$2100.00} in which would bring us current for XXXX. I also have a {$650.00} money order floating around that I sent to Carrington and they returned it to me. I will add another {$50.00} on to this payment and there is XXXX payment. I called tonight so I could wire my {$2100.00} and am now being told over {$3000.00} is being owed and they wo n't accept {$2100.00}. I was just told that this would be accepted on Friday. I am now sitting on {$2800.00} for my mortgage payments and they will not accept it. I am now being told that another {$500.00} in fees have occurred and that this all has to be paid before XX/XX/2017. If I attempt to send the full {$3300.00} then they will tack more fees on. Carrington keeps finding ways to tack on fees and not let us pay so they can foreclose. This is an urgent matter and needs to be addressed right away or we will be forced to file chapter XXXX on {$3300.00} in debt. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I made a purchase in Victoria secret with my card and paid it off, because I was triying to avoid late fee. The purchase was of around  XXXX  dollars and they changed me in total  XXXX  dollar in late fee because they returned several payments and did not notify me of the return payment. I was sure that the information I gave was accurate and until today I have no Ideas why they return the payment.   They never notify me that they were changing late fee and other fee and when I already made payments that put a t 0  my balance.   there is an abuse of power in this regards of their fess and how conveniently there are  XXXX  charges so the account is neve r 0  hence need to to play and there is late fee. this is a vicious cycle that allows them to make late fees and other fees.I never had a problem like this with any credit card I had.   I call the center very frustrated with the problem and they did not wanted to tell me what the fee were about and just said your last balance which is not truth.   I find that they are deceiving and praying on people that count on paying they card on time and is not an honest policy to have.   This account also has problems with setup auto debit which I have been trying to setup but it either do not authorize the problem or when I try to do it it is there the option but does n't allow me to change the setting such as the payment info and the day.   Finally conveniently the date that is was due I could not log in but the next day I was able so how curious that that has happened to me several times, and I tried at different times during the day.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Trouble during payment process

Complaint: We were approved for a HAMP Trial in   XXXX   XXXX   by  XXXX   XXXX , but they transferred servicing of our loan to  Bayview Serv icing before we could complete the Trial and make payments. So in   XXXX   XXXX   the request for modification assistance b  egan again with Bayview.
During the past six months  , all documents requested have been submitted and confirmed on several occasions. Each time, however , Bayview will t hen request more documents or " updated documents '' that should have been requested in the first place.     Now they have pla ced a Sales  Notice for   XXXX   XXXX   XXXX   on our door, even as they have communica ted NOTHING to us via  regular mail, email or our account status on their website, which continues shows us under review for our modification.     And yet a sale is underway.     We have repeated emailed and uploaded complaints to  Bayview o ver their handling of our modification repeatedly. No response except more document requests.     Furthermore, our asset  manager at Bayview has ig nored calls and emails asking for answers, and his supervisor has done nothing but say that just because we already uploaded the documents they are now requesting AGAIN to their website " does n't mean those documents shown on our website are in our actual system. It happens. '' Huh? And that 's OUR fault?     To be clear, the only reason we have not been put into review and modified is because they do n't want us to go into review because they would have to approve us. We qualify. We did before with  XXXX , we do now with  Bayview. Th ey seem hellbent on foreclosing on our home, not helping us. They have n't even offered an workout options like a short sale. We have are already lined up several real offers with real buyers with a realtor ready to submit in case we do n't get our modification, an d yet Bayview is p laying it that if they do n't put us in review WITHIN THIS WEEK they will foreclose with NO other options presented to us.     In conclusion :  1. We and Bayview al ready know we qualify for a HAMP Trial or in-house modification based on their own formulas.      2. Bayview in bad faith  has never put us into review by repeatedly losing our documents, and then after we provide them saying they need more. This because they do NOT want to verify our income or qualifications. Because they already know we qualify! They have the pay stubs, the  XXXX , the tax returns, etc.!      3. Bayview ha s at the same time pursued a dual-track strategy to foreclose on us in the meantime.      4. Bayview  has offered NO other workout options besides foreclosure, and refuses to postpone the sales date while they " gather more documents '' or provide other workout. They are hellbent on RUNNING OUT THE CLOCK, i.e., sell our home.

Company response to consumer: Closed with explanation