milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2017 about Credit card () with CITIBANK, N.A. (MD).
Issue: Late fee

Complaint: On XX/XX/XXXX I received an email from XXXX that " Your XXXX Anywhere XXXX ( XXXX ) statement is ready. '' This was the first notification I have ever received from Citi that a statement was available. I received this card on XX/XX/XXXX, when XXXX ended their relationship with XXXX. XXXX transferred my recurring XXXX membership payment to this new card without my knowledge. 

When I logged onto the Citi website to review the XX/XX/XXXX statement I discovered I had been charged {$100.00} in late fees and interest in addition to {$55.00} for the renewal of my XXXX membership on XX/XX/XXXX Despite enrolling in paperless statements when I received the card I had received no previous notices that my statement was avaiable, so I had assumed there had been no charges on the card. 

I attempted to get the late fees removed by discussing it with multiple Citi representitives on the phone and by on-line chat, but all they were willing to do was refund XXXX of the late charges, and only after I paid the current balance. On XX/XX/XXXX I paid {$120.00} and a late charge of {$37.00} was removed from the account. 

I want the remaining late fees and interest of {$65.00} to be credited back to the account. Citi failed to notify me of the outstanding balance until XXXX months and XXXX statement closings after the first statement went unpaid. The only charge ever made on the card was the XXXX membership, which I received no notification of from either Citi or XXXX. If XXXX of the late charges was refunded why not all of them, as they arose from the same incident. 

I have included XXXX statements, XXXX emails and transcript of the chat. 

Thank you for your assistance.

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 03/29/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NC).
Issue: Trouble during payment process

Complaint: We received a late fee notice dated XX/XX/XXXX. Ditech Financial changed our payment amount but did not inform us. On XX/XX/XXXX I called to ask them to waive the late fee. I spoke with XXXX at XXXX and he was unable to remove the late fee. I also spoke with his supervisor, XXXX, and she was also not able to remove the late fee. 

I am asking for a refund of the late fee off {$56.00}. 

I'd also encourage you to investigate Ditech 's billing practices. This is the second time this has happened to us in a year and it appears Ditech may be failing to send new payment notices or sending them disguised as frequently disposed of marketing collateral in the hopes of increasing revenue through late fees. We have gotten the late fee notices both times but not the payment due notice either time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (Mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: We had a XXXX mortgage with HSBC.We received a Cancellation of Debt from HSBC dated XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. Months later we received another copy of Cancellation of Debt which was dated XXXX/XXXX/XXXX. This form said it was corrected and stated the debt discharged was XXXX.The XXXX discharged {$24000.00}. We heard nothing from HSBC or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At this time we heard from XXXX XXXX XXXX. 
XXXX claimed we owed $ XXXX+with late fees. We were able to get a loan modification on our XXXX mortgage due to my being forced to retire due to health issues and we could not afford our XXXX mortgage monthly payments. We are still struggling with our monthly mortgage payments and we heard out of a 4yr. silence that we owe for a XXXX mortgage. There is no way we can pay this back on our current fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Financial Credit, Inc (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company is still falsely reporting payments made in am attempt to extend the life the loan on XXXX  credit report. They are reporting that a payment was made XX/XX/XXXX, XX/XX/XXXX amd XX/XX/XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT, in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act. 

Your company responded with " We are not reporting payments made on this account. The last payment we show reported was XX/XX/XXXX. She has disputed this account several times but we are reporting what our records indicate. '' Yet XXXX  is reporting payments made, as EVIDENCED BY MY CREDIT REPORT. XXXX  does NOT report payments made UNLESS THE COMPANY CALLS TO REPORT IT!! Therefore im seeking legal counsel and start the process for a class action lawsuit And it was bro7ght up directly with XXXX and i showed him my credit report and he laughed and responded " oh i dont know how that happened '' EITHER FIX IT OR A CLASS ACTION SUIT WILL COMMENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: The XXXX form for 2015 included capital interest whereas prior year XXXX forms did not. I contacted Nelnet 's customer service several times to try to understand the change in reporting methods with no resolution. I have also requested a current amortization schedule of loan payments remaining on the loan, which has not been responded to. In general I 'd like to see how my payments have been applied to the loan, including several payments made directly to principal so that I can confirm they have actually been applied as expected.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Debt collection (Payday loan debt) with WORLD ACCEPTANCE CORPORATION (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received letters and calls from XXXX XXXX XXXX XXXX for a {$1700.00} loan from XXXX XXXX  that i did not make from XXXX. Never was notified by the loan company of any loan owed and never received anything from courts on unpaid loan. First thing I received was from collection agency years after the loan I supposedly received, that I never had any knowledge of.. I called World Acceptance corp XXXX BOX XXXX XXXX SC. XXXX ( phone # XXXX ) who owned XXXX XXXX and ask for a copy of contract, so I could prove that the signature was n't mine and they refused. Every loan i got from XXXX XXXX ( AKA World acceptance ) was paid in full. I want World acceptance to give me a copy of the contract, so I can prove it is n't my signture on it and is not my loan or have it removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (AZ).
Issue: Other transaction issues

Complaint: Hello, I order parts on XXXX XXXX and used XXXX to pay for the amount of {$330.00}, some of the parts I receive were damage, so I mailed back for a refund, the value of the damage part cost {$130.00}, I spoke to XXXX about it, and I provided them with a tracking number, XXXX. they said the tracking number is invalid that 's why they can not refund me the money. I had provided them prof with a receipt that I had mail the parts out, but they still denied to refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: I ordered a copy of my credit report from Equifax and noticed there were/are items still listed on my report that's over 10 years. I called and asked Equifax to remove those items and instead of them treating this as an inquiry, they treated it as a " Dispute '', which to them means that an investigation took place, they verified the information in the report was/is accurate and instead of them removing the item, they said that because I " Disputed '' the item, it will last on my report for another ten years. I was flabbergasted in that the items were never disputed, only brought to the attention of the credit agency as needing to be removed because they were listed on my report for longer than ten years. Equifax is misinterpreting the meaning of an inquiry and is noting the inquiry as a dispute, which according to federal law ( as stated to me ), that all " Disputes '' must remain on the file for 10 years from the date of reported. The " Items as of Date Reported '' is also being misused to mean that the creditor reported something new instead of Equifax verifying the information reported by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (OR).
Issue: Closing on a mortgage

Complaint: The seller, XXXX XXXX XXXX, represented by its servicing agent, XXXX and its listing agent, XXXX XXXX XXXX XXXX XXXX utilized XXXX as an auction platform to sell to the public their bank owned property known as XXXX XXXX XXXX, XXXX XXXX. 
Approx XX/XX/XXXX, we were the winning bidders and signed a contract to purchase said home and property. 

We initially were going to attempt to finance said property, but it appeared the condition of the home may not be financeable, so we dropped the price dramatically on a property we had in XXXX so we could perform and close escrow in a timely fashion. 

I was emailing the servicing agent but they were not responding so I called them around XX/XX/XXXX to get pay off information as our closing date was to be XX/XX/XXXX. 

This was when the servicing agent informed us that the seller could not perform or close escrow as ( 1 )  they owed a $ XXXX lien/there was a $ XXXX cloud on title and ( 2 ) that foreclosure had been done incorrectly. 

Shortly thereafter, the servicing agent, XXXX XXXX informed us it might be very easy or take six months to remove the cloud/lien, so they extended closing pending finding out. 

We were initially told that the attorney had a solution, but then we were called by our real estate agent and told that the servicing agent and listing agent needed to conference with us. This was approx. XX/XX/XXXX. 

Finally, the listing agent and senior escrow agent for XXXX XXXX told us in a conference call that ( 1 ) the seller did not have the legal right to sell the house or enter into a contract to sell it, ( 2 ) the $ XXXX first mortgage was sold to another bank and was having it serviced by XXXX, and ( 3 ) XXXX was canceling its contract as the sellers agent. 

XXXX, the servicing agent, then brought their Ombudsman in to resolve or find us a replacement home, to which we have gotten absolutely no help at all and no advocacy. 

This house was to be for my son and his family who were moving back to XXXX from XXXX so my baby grandchildren would have a stable home. 

My son and his family were on their way to XXXX when we had the conference call and they had to live in a motel, extend the time on their moving truck. They have XXXX small children and two dogs, so it was a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Student loan (Federal student loan servicing) with Student Loan Processing Direct, INC (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received XXXX student loans from XXXX University in XXXX, Ohio. Student loans said I received XXXX loans from XXXX University and XXXX Loans from XXXX College in Georgia. I had never been to Georgia. We argued back and forth about loans. I got my congressman involved ( XXXX XXXX ). They say they were sorry they made a mistake I received all XXXX from XXXX University. I did n't receive XXXX loans. Even if I had received the XXXX loans they came to a little over XXXX. When I called student loans they claimed my initial loan amount was for a little over XXXX. It was double the amount. I have already paid over XXXX and they claim I still owe XXXX. I have tried everything they told me to do and it 's still not resolved. They were the ones that made the mistakes but I have to pay for them with interest and penalty charges every week. They get XXXX dollars a week from my payroll check. I would appreciate any help you can give.

Company response to consumer: Untimely response
Consumer complaint received 03/30/2017 about Mortgage (Other mortgage) with THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND (OH).
Issue: Settlement process and costs

Complaint: XXXX    XXXX    Third Federal i n  XXXX , oh presented a mortgage program called  Home Today  and they hire third party to come and teach the class who are scams to me. I went and wanted to know what this program was all about. I was not disappointed by any means. So, I went to the program a month which was every Tuesday at from  XXXX  to about  XXXX  and it was a joke ; yes they gave us food what a joke. But the pathetic part was when I went to counseling session with  XXXX   XXXX  with this program called  XXXX  and it was a joke the place was filthy and smelled and the lady would wonder in late telling me about her personal life her grand is sick. Okay, but that was not my concern and every time she had a scheme going on. Oh if you go to this bank and put in a  XXXX  dollars to build my credit and take it out in  two or three da ys but she did not tell me the full truth. I take it out but I would have to pay on the money I put in. How insane was that. Then she wanted me to try this guy okay gave it a shot he was a joke. He wanted me to give him my bank statement and have a conference call with student loan. At this point it became clear he was a wannabee. He wanted me to call the student loan so he could have a conference call and it was not happening. I told him if the she the manager does not believe you it 's useless. I  XXXX  at  XXXX  and told her I do n't trust him. I had to call  XXXX   XXXX  at third federal and tried to explain to her obviously she did not care and thought what this  XXXX  valentine has sad was true. This program is a farce and should not continue to go on. They denied one because I did not go with whatever they told me and they wanted me to be used as a simpleton or a puppet on a string.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TN).
Issue: Problems when you are unable to pay

Complaint: i have partnered with XXXX XXXX XXXX in order to avoid bankruptcy. I have had a hardship and I am unable to pay my debts at this time. I have notified all of my creditors, all have complied with the do not contact request except for Onemain Financial, XXXX. I have sent them numerous requests to stop contacting me, especially at my place of employment. They are calling no less than 5 times a day! They are sending letters to my home, my husband, my place of employment and calling my cell phone relentlessly. This must stop. I have told them my situation however they refuse to stop harassing me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Other transaction problem

Complaint: I was trying to change {$100.00} dollars to bitcoins it dint happend a now i have {$98.00} dollars missing from my accont ( wallet ) y only have left {$1.00} Ive been sending emails and trying to get a phone number to contact for the las 4 days and im still have no answer from the coinbase staff

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Trouble during payment process

Complaint: Our mortgage was just transferred to Freedom Mortgage XXXX XXXX, the letter we received stated we needed to send payments beginning XXXX XXXX to them. I had scheduled our mortgage payment through our old lender already and could not be cancelled. 

I contacted both XXXX XXXX and Freedom Mortgage immediately to inform them that the payment had been sent to XXXX. Both XXXX and Freedom informed us that we had a 60 day grace period for XXXX to send the payment and that it was no problem at all. 

We are getting daily calls and multiple letters in the mail from Freedom telling us that we are late. We have now received a packet from Freedom asking for all of our financial information, ways telling us all the different ways to avoid foreclosure, a Uniform Borrower Assistance Form. 

We are completely up to date on payments, there is no reason a mortgage company should be able to foreclose on us. Freedom refuses to contact the company to work with them to get their money. It is completely up to us to figure out how to get XXXX to give Freedom the payment we sent, otherwise, we are going to have this go on our credit and possibly lose our house- over being up to date on our mortgage payments.

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 11/15/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, I obtained a mortgage through XXXX for {$250000.00}. This mortgage was subsequently sold to XXXX, which sold it to XXXX XXXX XXXX, which sold it to Green Tree Financial -- all within the space of 4 years. Some time after that, Green Tree Financial turned into Ditech Financial and sold the mortgage to itself. XX/XX/XXXX, I could no longer keep the property, notified XXXX XXXX XXXX ( which was still holding the mortgage at that time ) of this fact, after ascertaining that I could n't rent it out, nor was I permitted to get a tenant in to help financially. Before I left the house, I ensured that the rooms were freshly painted, septic tank emptied, fence painted, roof issues corrected, swamp cooler serviced, termite inspection carried out, vents cleaned, house cleaned, and landscaping maintained. My XXXX children and I moved out of state. Initially in trying to work with Green Tree, I was told I could try to sell the house through them. I took all necessary steps, did all the paperwork required and had it all vetted, only to be told at the last minute that the solution would n't work since I was an 'absentee landlord '. I found a realtor who dealt in 'short sells ', worked with him, with the knowledge of Green Tree Financial , to effect this solution. The realtor had a buyer for the property, was presenting the offer to Green Tree, then both he and I were notified that the property was being put up for Sheriff 's Sale. The Sheriff 's Sale was effected, Green Tree sold the property to itself for {$200000.00} then subsequently resold it to the new owner. Now Green Tree itself is calling itself Ditech, has written off the mortgage, hit my credit report several times, reported to the IRS that I had realized a 'so many thousands of dollars of income ' in a year, so that I incurred further attorney 's fees to fight this outright lie. None of the following : XXXX, XXXX, XXXX XXXX XXXX, Green Tree, nor Ditech have lost a single cent on these transactions, but I most definitely have lost a lot. I want them to cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing LLC is reporting two mortgage late payments on XX/XX/XXXX & XX/XX/2011. I made those payments on time via XXXX, XXXX XXXX XXXX on line payment system did n't work so the payments were posted late. XXXX XXXX XXXX, corrected the problem and deliver the funds to Ocwen, but they were posted as late payments, even thought it was not my fault at all. They can check my record and I have a perfect record payment thru today. I am applying for a Mortgage and this issue is affecting my credit. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I request credit report online from Equifax. There is an online identification validation process where Equifax post 4 questions for me to answer. However, the 4 questions were bogus so there is no way I can get it right. The answers for all 4 questions are " none of the above ''. My wife tried the same process and got the same 4 bogus questions. It appears that Equifax deliberately deny request for credit report by failed the identification for consumers. 
I started from XXXX and did not have any problem with XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CARD Corporation (GA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I have my employment wages and income tax deposited onto the card. On XX/XX/18 I paid some bills and I also bought a few clothes for my children. XXXX  froze my card and said I needed to contact account services. I called the only number they have. The automated service picks up, talks about online services and then asks to verify identity. It starts off by asking for the last 4 digits of my social security number, when I opened the card I never gave them my social security number, not once. So I put it in anyways. Then it asks for my zip code, I put that it and then tells me its incorrect and asks me to do the process all over again, hitting pound or 0 doesnt help either. I have sent them a full video of my attempted call to their XXXX. After 24 hours of this I have yet to get thru. I emailed them 3 times, I sent 2 faxes to their dispute department just hoping for help, I sent them messages thru XXXX. I got a reply on how to handle the automated service once my identity has been verified, problem is just that. Wont go any further than that. I have over {$1100.00} in the account. I am a single mother and all my money is tied up with this account. I can not feed my children or drive my car.

Company response to consumer: Closed with explanation