milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company Ditech in XXXX of XXXX put us on a loan modification and after making 1st payment stopped calling us and would not answer any of our calls .When we finally got ahold of Ditech they told us not to make any more payments which we thought was very strange. Several months later started to get electronicly signed documents from a lawyer firm called XXXX XXXX XXXX XXXX. Turns out that they have been in many mortgage scams on there sight .My Attorney who we believe was involved as well as our Trustee seemed to be covering up something .Around XXXX we got issued forclosure papers and documents from there lawyers XXXX asking for certain documents when returning papers for a loan modification.My wife and I started to do some research and discovered some very discriminating evidence of fraudulent activity on some documents we had found involving a merger between banks that we had on our mortgage .Turns out that we actually had the deed book along with a mortgage assignment that has some very suspicious material on them. I was not sure why I would of been sent the deed so did some research and found out that everhome mortgage company had paid our house off in XXXX in a settlement agreement. When the merger took place which has XXXX different copies showing different times and dates then I have in the original cover page of deed ..there lawyers XXXX XXXX XXXX sent us papers that they were gon na have sheriff sale on house on XXXX XXXX XXXX. My wife and I believe that we were scared by our mortgage company and that my lawyer and trustee covered it up for the banks involved cause they kept me in a bankruptcy that I should have never been in cause I was transferred our home in XXXX before I was even in forclosure..we believe our rights have been violated by our mortgage company and there XXXXDitech XXXX as well as my lawyer and trustee. We now have found out that XXXX has eliminated my accounts hiding the transfer of said property.Ditech who is the latest company wo n't answer callsome and looks like they are trying to take our home away from us. We are hoping that someone will investigate this matter as time is of the essence please help us save our home of XXXX years.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: For the past XXXX years since PennyMac became our servicer they have tried to impose a " cushion '' when they send their escrow analysis. After computing the amount I needed to have escrowed each month, the cushion is n't necessary. They claim that this practice is in accordance with state and federal law ; which I find dubious. When I called to dispute their analysis, and after being on hold for an extended period of time, they removed the cushion. I was told that the cushion is added automatically and that I would have to call them every year to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (VA mortgage) with PHH Mortgage Services Corporation (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, I writing regarding an unlawful foreclosure by PHH Mortgage Services in violation of my SCRA rights. 
I am a XXXX XXXX XXXX Vet. I purchased the property in XXXX XXXX in XXXX using a VA home loan and made perfect payments for 5 years in XXXX I XXXX again and while I was away PHH started a foreclosure with no attempt to stay the proceedings until I returned. When I returned in XXXX of XXXX they did not attempt to hold off and allow me to re-modify the loan. This moment in my life made a huge negative impact. I felt I could n't function in " normal society '' I was broke, and signed my self up to go back again feeling I had to go to make a large enough savings account to get my life " back on track '' and since then I have been diagnosed with a VA XXXX rating of XXXX and struggle with XXXX every day. In XXXX I went XXXX my XXXX and be able to function and hold a job. Since then I got a job at XXXX XXXX and in my training I learned more about SCRA rights and realized I was a victim by a company who knew I was XXXX, and played off my lack of knowledge of my rights. 
Please assist me in what information do I need to provide to substantiate what took place and what I can do about it. 
XXXX XXXX, XXXX XXXX. 
XXXX

Company response to consumer: Closed
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: IN VIOLATION OF HIPPA CRA AND MY RIGHTS AS A CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Rewards

Complaint: I opened XXXX Barclay credit card on XXXX/XXXX/16 with the offer that promised to give me XXXX XXXX miles after spending {$1000.00} on this credit card. 
I met this spending requirement on XXXX/XXXX/16 and I expected to receive this bonus on my first statement on XXXX/XXXX/16. 
However it did not post on XXXX/XXXX/16. I contacted the customer service and they responded : " Dear XXXX XXXX : Thank you for contacting us regarding your XXXX Plus Card. We can certainly address your inquiry regarding the reward points on your account. 
Welcome to our family of credit cards! We are pleased to confirm that you are eligible to receive XXXX welcome bonus points for spending {$1000.00} in new purchases within 90 days of opening your account and you met this requirement as of XXXX XXXX, 2016! 
All points that you earn within a billing cycle are automatically transferred to XXXX after your cycle closing date on the XXXX day of each month under this XXXX number : XXXX. Once the points have been transferred to XXXX, they will deposit them into your linked XXXX account. This process is typically completed within 10 business days after your cycle closing date ; however, it can take up to a maximum of 30 days. '' So then I expected to receive them on my next statement on XXXX/XXXX/16. 
But on XXXX/XXXX/16 Barclay closed my credit card without any reasonable explanation. 
I contacted customer service and they also could n't explain me why my card was closed. 
I inquired about XXXX bonus miles, but they said I wo n't get them because my card was closed by bank. 
I have not violated any rules and I met the spending requirement for this bonus on time when my card was active. 
It looks like bank is using these practices to refuse giving bonus miles to customers as promised.

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 12/21/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: ATM dispute that happened XXXX XXXX casino XXXX last XXXX XXXX, XXXX for the amount of {$700.00}. I did multiple cash ATM withdrawal of {$200.00}, {$200.00} and {$500.00}. Hence my cash withdrawal limit for a day is {$1000.00}, I want to obtain more cash as cash advance from my credit card to cash advance machine requesting amount of {$500.00} but it was declined. Then I tried to lower it for {$200.00} and continuously declined. I received no cash. The following day I checked my online banking and it showed on my checking account of {$700.00} as ATM withdrawal. I then contacted Citi bank customer service and the representative told me that if I did not receive that amount then my account reflect this right away. In short there were 3 dispute transactions of {$700.00} the bank temporarily credited to me while the claim was in process and all of these Citi bank send me letters that transaction was legitimate and they pulled the amount back out of my account that they reimbursed. I feel pretty alone in my fight. If I did receive this amount, I would have just move on However, I certainly did not. Which is why I have invested so much time and been so persistent. You are somewhat of a last resort and I would greatly appreciate any help I could get.

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 03/29/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: From XX/XX/2017-XX/XX/2017, TD bank was receiving charges from XXXX of {$32.00}. The charges were attempted and denied a total 4 times by the company. each attempt was charged a {$35.00} overdraft fee. At time of writing, there are others pending as well. 

This was billing error that has since been resolved. TD Bank has full discretion when accepting or denying payments. I do not believe TD adhered to the high ethical standards that it sets for itself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2017 about Debt collection (Medical debt) with Credit Bureau Collection Services, Inc. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been receiving a bill from XXXX medical center for over a year now for case # XXXX in the amount of {$480.00}, I was covered by XXXX XXXX which is a XXXX program in the state of Connecticut who provides insurance coverage, now I recently received a bill from CBCS collections agency for that amount which I should have not received. I spoke with a gentleman in the billing department at XXXX Hospital and advise him they need to be contact the collections agency and bill Connecticut XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2017 about Bank account or service (Other bank product/service) with WESTERN UNION COMPANY, THE (CA).
Issue: Account opening, closing, or management

Complaint: Western Union has the worst money order refund process. It is very long/protracted, against normal intuition, and does not allow an efficient refund. In addition to this, they have discriminated against me as a XXXX person, decreasing the amount I am due although I have been in and out of the hospital since 2013. 

I have had a pending refund request for the last 4 years. I have sent the requested documentation and complete information both through snail mail twice and fax a grand total of three times. Managers named XXXX, XXXX, and countless representatives have failed to produce the desired effects of a simple money order refund. For any new information regarding the refund it takes 2-3 business days. I have had to hound the team receiving calls at XXXX XXXX XXXX XXXX XXXX to do their job. The team has dropped my calls, flat out ignored me, talked over me, and denied that I have sent documentation on several occasions. In the last communication, XXXX told me that she received paperwork, and she can not issue the refund to my New York address because the forms were incomplete. I have heavy time stamped documentation showing complete high resolution faxes were received at XXXX XXXX XXXX XXXX XXXX. I have had a college professor, lawyer, and doctor review my paperwork in my building to verify it is done correctly and completely. 

Western Union has fraudulently withheld my refund and has been deceitful through from start to finish. I have been scammed out of funds that were to pay for medications necessary to keep a XXXX person alive. 

If that is not wrong, I do not know what is.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other transaction problem

Complaint: On XX/XX/2017 i initiated a withdrawal from gdax ( the exchange operated by coinbase ). for an amount of XXXX. The withdrawal never landed in my bank account and coinbase has not responded with anything meaningful.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had its information hacked. I went to their website and verified my info has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (Payday loan) with Oracle Financial Group LLC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: These people called me continually back to back like 5 times, when they did n't get a answer they left a voice mail stating that I owed a debt & if I did n't pay it this would be sent to curt & the prices would double. After speaking with them & things sounding fishy ( the fact that some of the info he had was wrong ), I disconnected the call & did a little research which lead me here. The guy then called back twice & left another voice mail using a different name stating due to me refusing he was going to send this to the courts in my area. I called back & asked that they stop calling me to which they said some sarcastic remarke & hung up in my face. This morning my supervisor calls me to her desk & states she had like 3 voice mail messages from the same people & she stated that they left a little to much information on the voice mail. They have called me 3 times today & when I stated that I was filing a complaint & not to cal me any more the guy responded " good for you '' and hung up on me 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 non-monetary relief
Consumer complaint received 09-01-2016 about Bank account or service (Other bank product/service) with ALLY FINANCIAL INC. (OH).
Issue: Making/receiving payments, sending money

Complaint: I paid off my loan with ally bank back in XXXX. I cancelled my XXXX insurance, and the dealer sent it to ally bank on XXXX XXXX, 2016. I called Ally bank customer service in the XXXX spoke to XXXX. She stated thearlier check was cashed on XXXX XXXX. First off, my loan was paid off. Ally had no reason to cash this check when the account was ahd has been paid off. Then she proceeded to say I have to wait 10 business days for that check to clear. Then, I have to wait an additional XXXX to 5 days to mail it. Meanwhile ally earns interest on my money. Ally stated they endorsed the check that had my name on it as well. Ally had no right to cash a check that did n't belong to them at all. I tried speaking to a supervisor but of course I was told XXXX to 72 hours before I would be able to talk with someone. My question is why would they cash my check when the balance is zero and then hold my check until 15 days? I 'm not really happy with them and cashing of my check they could have returned it or signed off on it and sent it to me to worry about a dealership check clearing. Not to mention checks clear now within XXXX to 2 business days due to check XXXX when that took place. Meanwhile, I 'm the one who is waiting for my check that I 'm entitled to especially when there is no Balance and my account was closed. Ally needs to be taught business practices and to stop this way of doing business .. I paid my car payments on time and I did n't make them wait to talk to me at any point. I 'm sick of these big companies taking advantage of us consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: The following entities have accessed information unauthorized : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from CBE GROUP. I had previously disputed this account. I have never done business with CBE GROUP pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CBE GROUP Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE GROUP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Trouble during payment process

Complaint: Our firm, XXXX XXXX, XXXX, has been monitoring our client 's request for release of property insurance funds issued for damage repairs that began in XX/XX/XXXX and worsened in XX/XX/XXXX after Hurricane Irma. Checks issued to my client in XX/XX/XXXX and XX/XX/XXXXby her insurance company are currently being withheld by Suntrust. Our firm recently became involved in this case and became aware of Suntrust 's refusal to act diligently and adhere by both the Mortgage and FHA guidelines requiring the release of funds for the necessary repairs.

In XX/XX/XXXX, my client received the first check from her insurance company for water damage repairs that required it be endorsed by both her and her servicer, Suntrust. At the direction of Suntrust, she submitted all the necessary documentation along with the check. However, every time my client would call to follow up on the status of the release, Suntrust representatives claimed there were no documents received and requested my client resubmit them. Despite repeatedly resending the documents, Suntrust continued to deny any receipt of documents and/or record of the claim, eventually closing it out. Most recently, the damage was worsened by Hurricane Irma and my client received another check from her insurance company for additional repairs. Suntrust again instructed she mail a package of documentation along with the check. Suntrust engaged in the same pattern, claiming not to have received the documentation, and again closed out the claim without any further contact ( Screen shots reflecting documents received and now reflecting closed attached ). 
I have contacted the servicer 's counsel regarding this issue, however have yet to receive a response from Suntrust. Suntrust continues to withhold the funds without providing any meaningful explanation for there bad faith actions.

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 07/28/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NJ).
Issue: Trouble during payment process

Complaint: Seterus has placed forced insurance on my home for homeowners and flood. I always had my own coverage and they have charged my Escrow Account an " Earned Premium '' when in fact, the policy should have been canceled " FLAT ''. Due to this I have paid over 1,500.00 in DUPLICATE coverage.
Seterus continues to place my payments in a " Suspense Account '' of which there is an overage of {$5900.00}. I have asked them to credit these monies to my Regular Payments, they refuse and say the " USUALLY '' will oblige when I get caught up on my payments. How can I get caught up when the continue to show me delinquent?
Seterus is strong arming me into a " Mortgage Modification '' however this modification only reduces my monthly payment by {$100.00} and has the same interest rate ( 6.75 % ), Loan amount BUT they want to make this a FORTY YEAR mortgage ( XXXX ). Keep in mind, I already have paid on this mortgage since XXXX. That would be paying for 60 years! I am only 2 months behind ... ... ... .I am a single, female they are trying to steal my home. They threaten me and call continuously along with saying they will foreclose IF I do not sign the modification ... ..I AM ONLY 2 MONTHS BEHIND! And they have my money stuck in " Suspense '' ... ..and " MIGHT '' credit it ... what is this????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Bank of America has closed ALL of our accounts including  Checkings/Savings/Credit Card  with out ANY ex planation. When I called them - they said that this information can not be disclosed. All of our reward points are voided, some checks we written out will be cancelled and we will acquire late fees. Our credit report has gone down already.  <P/> After searching the internet - I found MANY similar cases other people  encountered. I smell SCAM.   XXXX   XXXX   XXXX    Please help! This is ridiculous customer service and they call themself - Bank of America!???

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 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: XXXX XXXX XXXX is incorrectly reporting to my credit. They have report my car payments late 7 times. When I in fact was not late and I have the proof that I wasnt late. My payments are due on the XXXX of every month but 7 different times when I paid on the XXXX they marked my payments as late and reported it to the credit bureaus. I made them mail me copies of my payment history. These are the dates they marked late but I have proof I wasnt late. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I want these 7 payments credited to my account as made on time and I want the adjustment made with the credit bureaus. I also want the fees associated with these late payment removed because I wasnt late.

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