milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (MI).
Issue: Can't stop charges to bank account

Complaint: I had a payment schedule set up with checksmart. They kept presenting my check to the bank. Cost me numerous fees and now my account is overdrawn significantly. Called corporate office of checksmart. Reps were demanding, condescending and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing, and its Agents, and Legal Representatives are fraudulently misapplying mortgage payments an my Account ( Loan # XXXX ). 
Documentation from Ocwen in XXXX XXXX, XXXX states my Principal balance is about {$140000.00} and I was {$4700.00} in arrears 3 Payments ( Not True ) XXXX XXXX, Ocwen stated I was 4 payments in arrears and the amount was {$5900.00} plus Attorney Fees ( stated by Paralegal ) Again not true I have paid XXXX, XXXX XXXX and XXXX XXXX payment above principal and Interest due, I have being paying Ocwen XXXX above normal payment amount only to stop the Harassment and intimidation to attempts by Ocwen to get a Modification agreement signed by me, and increase term of loan by 40 years XXXX XXXX, met with Ocwens lawyer, and gave him documentation that I was ahead of schedule on a Amortization schedule of original loan. 
Ocwen and their Agents, as well as the Attorney have altered my loan payments, by going in the account and REV ( which according to Ocwen, stands for Reversing the payment ) Now Ocwen is stating my Principal Balance is {$140000.00} I would ask for Forensic Accounting of this Account, however a sixth-grader can see these figures have been altered. I have been making payments, however my Principal is going up?

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 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: Credit inquiries on your report that you don't recognize

Complaint: I noticed on my Equifax report that there were numerous inquires that I did not authorize. I have called on numerous occassions as well as disputed these inquiries online. I have also sent a letter on X/XX/2017 to Equifax ... <P/>I disputed on line to Equifax on X/XX/2017 stating that I did not authorize the inquiries on my Credit Report. Received notification on X/XX/2017 that " Inquiries are a factual record of file access '' I also disputed on line with Equaifx on X/XX/2017 and received notification via email on X/XX/17 that " Inquiries are a factual record of file access '' I did not authorize these inquires.

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 Navient Solutions, LLC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I refinanced thru Nationstar Mortgage Co . I closed last week and to start It off I had XXXX notaries call me to close and sign the papers. This means XXXX people got a hold of my personal information. Second I was never told I needed a certified check for the closing. I had to go to the bank the next day to wire money to the mortgage Co which my bank charged a fee of XXXX Third and the final straw was my next payment was not due till XXXX XXXX. And today I had my XXXX payment taken out of my old account that was closed out on Monday. I called Nationstar this am and they told me that it would take 30 days to refund my money because the old account was a FHA loan. I had nothing but headaches and lies from this mortgage co. Being a customer with them for the past 3 years and paying my mortgage on time this should not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I previously challenged the accuracy in reporting of several bankruptcy listings on my Transunion report. Federal Courts, because of privacy laws do not release social security numbers to credit bureaus. Pursuant to Rule 1005 of the Federal Rule of Bankruptcy Procedure all documents filed with the court are to contain only the last four digits of an individual 's social security number or tax identification number. The XXXX XXXX of Illinois does n't provide any information to any credit bureaus, all this information is obtained via third party. I would like to know how Transunion can verify the validity of the bankruptcy entries listed on my credit profile. Transunion has also failed to provide the name of the furnisher, address and telephone number. My social security number and the social security number listed in the federal courts do n't match. How can Transunion tie this account to my name and credit profile? This is inaccurate reporting and a violation of the Fair Credit Reporting Act. My social security number does not match what is in the bankruptcy records. I 've verified this information through XXXX. If, the bankruptcy does match my records Transunion needs to match my full nine digit social security number along with a filing date and case number and if not Transunion must DELETE the entries associated with bankruptcy from my credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (I do not know) with R.A.Rogers, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked R.A Rogers Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: After being relieved from my lease due to a breach in contract and vacating my unit XX/XX/XXXX I received an email from a representative at XXXX for a move out statement on XX/XX/XXXX claiming I owe {$770.00}. On XX/XX/XXXX I  disputed the balance as inaccurate and after that I didnt receive any further communications from this company verifying that this debt is accurate. I received an alert from the credit bureau stating that a new account was added to my report so I checked it to see that XXXX had sent a bill to collections with an entire new balance in the amount of {$860.00}. So instead of verifying the accuracy of the fees from the move out statement, they added more fees on top. I had not received any communication from the reporting agency or the original creditor since I disputed the original statement on XX/XX/XXXX so I was unaware that it even existed and was not given the option to dispute it or revived any notice of said debt before it was placed on my report in XX/XX/XXXX. I have recently reached out to the original creditor and they are also refusing to provide me with any validation. I have timestamped photos from the day of the inspection showing the unit was clean, I have copies of the exchange of emails between the community manager and I, and I also have a portion of my lease where it shows that they violated the terms for a move out procedure and sent this account to collections while completely ignoring my dispute. The only correspondence I received from XXXX was for a bill in the amount of {$55.00} that was sent on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Checking or savings account (Other banking product or service) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX I disputed a charge of {$250.00} from a merchant that has a history of not delivering the product that is paid for. 
The bank issued me a provisional credit while the investigation was on going. On XX/XX/XXXX the bank sends me a letter letting me know on XX/XX/XXXX, that they will be removing the credit from my account and that they have sided with the merchant and there was nothing else that can be done. Which is a lie. Their investigation is flawed. I provided all documents to prove my case and they still failed to protect me. 

My bank refused to perform a thorough investigation on my behalf. Instead of having empathy and knowing the law, they decided the case in favor of the merchant because they felt that I should have done " more research on the company ''. Which is WRONG. Regardless of those ridiculous claims, the merchant has no rights to keep my money for services NOT rendered. I don't have anything that belongs to the merchant therefor I should have my money back! 

Merchant blocked me on social media, blocked my phone number as well. I was finally able to reach her through XXXX ( a merchant service company where my card was processed through ) she told me that she would refund me but is now making excuses as to why she currently can't which I don't believe. 

If Citibank did their job this wouldn't be happening!

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 11/13/2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I paid XXXX {$3000.00} for foreclosure help and a loan modification. They have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: On XXXX XXXX, XXXX I initiated a bank wire transfer for {$10000.00} USD from my Coinbase USD account balance to my personal bank account at XXXX XXXX which is linked to my Coinbase account. Coinbase referenced this transaction as # XXXX further known as Transfer ID : XXXX. 

The wire was supposed to complete within 48 hours and as of today, XXXX XXXX, XXXX The funds have not reached my bank account and Coinbase did not re-deposit the un-wired funds back into my Coinbase account either. 

I placed an internet support request on XXXX/XXXX/XXXX because Coinbase does not have live customer service agents to help with fund transfer issues and was given Case # XXXX. 

After more than a week with no response I placed another support request with Coinbase on XXXX/XXXX/XXXX and was given case # XXXX and as of today ( XXXX/XXXX/XXXX ) there has been no response from Coinbase. At this point they have apparently stolen my {$10000.00} US and I want it returned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech LLC assumed our mortgage in XXXX XXXX. They have now raised our escrow payment by {$140.00} per month despite the fact that we have had an overage in our escrow in past years under a different service company. Ditech has established a required beginning escrow balance of XXXX, which is not consistent with our original loan. Our current escrow balance is {$980.00} after paying hazard insurance for XXXX in full. The only amounts that remain to be levied are monthly PMI and property taxes that the XXXX Assessor 's office predicts will total {$3300.00} in XXXX XXXX. The company claims an anticipated {$4700.00} property tax bill. In 15 years, our highest property tax bill has been {$3800.00}. I have been unable to speak to anyone to correct this clear error in determining our escrow payment. This seems to be a continuation of bad practices engaged in by this company when it was Green Tree.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Navient keeps telling me I have to pay on this loan. All my other student loans are deferred due to my income. I keep telling them I do not have the money to afford this. The only reason they will not defer is because my dad is a cosigner on the loan and he has good income. However, I do not and my dad is not helping pay this. I do not know what to do at this time. Your company calls my phone everyday every hour I have missed calls from them just on today. You all have taken money out of my bank account that I never approved of. Yes you put it back after I called and complained but at this time I am really fed up with   XXXX   XXXX   aka navient. I can not afford to pay on this loan and I do not see why you can not defer it with my other loans. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Mortgage (FHA mortgage) with AMERICAN FINANCING CORPORATION (CO).
Issue: Closing on a mortgage

Complaint: I was turned down for a refi by XXXX XXXX a XXXX XXXX XXXX at XXXX XXXX XXXX in the beginning of XXXX. XXXX told me to keep my credit score up and in XXXX of XXXX I should call her and she would get the refi starting again because that is when I would have 12 months of on time payments. I called XXXX on XX/XX/XXXX and reminded her she said I would be good in XXXX to get the refi with cash out. I send in all the paperwork she requested and had a home inspection on XXXX XXXX. I spent money and time fixing all the items and issue the inspector brought up. I called XXXX onXX/XX/XXXXecause I hadnt heard from her and to find out when the inspector will do the final inspection since I did all the work. She called and left a message while I was at work on XXXX XXXX, I called her back within 15 minutes, but didnt hear from her again until XXXX XXXX when she told me I was denied. 
I always had to call and email multiple times to get a response from XXXX. I was very upset that the refi wasnt going through since XXXX had told me not to pay my XXXX mortgage. She said she told me to hold it, but she didnt ever tell me that nor act like the loan wouldnt get approved. I called her boss, XXXX XXXX on XXXX XXXX and asked him to pull the call to verify that XXXX told me not to make the payment and never mentioned to hold it in case. He said they didnt record their calls, but I told him every time I called, the message said the calls were recorded, and he said we dont record all of them. I asked him to be compensated {$1100.00} so I could make my mortgage payment on time. He said he would put the request in, but the most that has ever been paid was {$100.00}. 
On XXXX XXXX, XXXX boss XXXX called me and apologized and offered my {$100.00} for the problems with my refi and said he would be taking XXXX bonus for her error on this refi. I asked for him to give it to me then since she cost me to be late on my current mortgage. He said I cant do that. 
On XXXX XXXX I received an email from XXXX XXXX saying she would have the check cut for me on Friday XXXX XXXX. She later called and said no one was there to cut the check and I didnt end up getting it until XXXX XXXX. I think that paying me {$100.00} and taking XXXX future bonus shows wrong doing on their part and should be compensated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2016 about Consumer Loan (Vehicle loan) with Rubin & Rothman, LLC (NY).
Issue: Problems when you are unable to pay

Complaint: On XX/XX/2015 I filed Chapter XXXX bankruptcy protection which included XXXX. Around XX/XX/2015 by bankruptcy was XXXX also the debt of XXXX. Today in the mail I received a letter from XXXX trying to collect this debt.

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 08-08-2017 about Mortgage (VA mortgage) with LoanCare, LLC (PA).
Issue: Struggling to pay mortgage

Complaint: I am XXXX XXXX military. I requested help from Loan care to let me pay the interest for this VA loan while the house was on sale and they refused. I requested a deed in lieu and they are dragging their feet hoping the house goes on foreclosure. They have transfer my packet to 3 different representatives, they refuse to let me talk to a Supervisor and they keep asking for different paperwork instead of asking for those at the beginning. They are refusing to work with me and costumer service is one of the worst I ever seen.

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 10/29/2017 about Debt collection (Medical debt) with Professional Finance Company, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent written requestfor verification of said debt to this Professional Finance Company over 60 days ago and received no reponse. I sent my letter certified with a return receipt. They have received my letter but refused to respond to my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Went to XXXX 's location at XXXX XXXX last XX/XX/XXXX - Was looking for XXXX but got lost - Was looking for a cheap food-processor - Effectively found one on a table with a sign " ON SALE " for {$36.00} - Asked a clerk from another department if the price was right and she said " Yes " - Then she asked me if I wanted to sign up for a membership card? I said yes! She told me that I 'd receive a letter home in few weeks - She never told me that it was a credit card from XXXX 's ... I paid the item with my debit card and few weeks later I receive a bill - Never received any physical card - Wrote XXXX 's last month telling them about the issue - Called a XXXX number but it did not work - Then last week after a XXXX number called me I called back then a gentleman was explaining to me that I can ask for a new card or have an Ecard sent to me - I told him I 'm not working right now, how in the world I 'd get involved in debts? It does not make sense - I do not need XXXX 's credit card - Then he suggested me to inquire about my rights which I did asking my bank for help - They suggested me to file a complaint and then I searched your number guys - Do not know the difference between the Account number and the Card number - Never received any card number

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 08/18/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: To whom this may concern, Please have this information brought directly to the attention of incoming Wells Fargo & Company XXXX XXXX XXXX, CFPB XXXX XXXX XXXX, and other federal and state regulators. Within the attached PDF is information that sheds light on yet another Wells Fargo & Company 's illegal corporate sales and business practices that have caused enormous damage to thousands of consumers around the nation. Put bluntly, Wells Fargo & Company has submitted and maintained hundreds of thousands known to be false and clearly fake information records on consumers and these false records have negatively impacted consumers ability to open a bank account, obtain financial services, etc. What is worse, when Wells Fargo & Company was confronted with these issues, they refused to address them and threatened to sue and harass those who have attempted to bring these concerns to the attention of Wells Fargo & Company and regulators. Please promptly review this information and ensure that Wells Fargo & Company 's XXXX XXXX XXXX XXXX is informed of these problems and take action to resolve the problems and properly disclose the problems to investors.

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 09/25/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: My mortgage payment includes taxes and insurance and increased from {$3400.00} to {$4000.00} effective XX/XX/XXXX, an increase of {$630.00} a month. The increase was due to an unexplainable shortage of our escrow. However, the XXXX County Tax Assessor sent us a bill and the increase in our taxes was from {$8600.00} to {$9800.00} for that tax year, an increase of only {$98.00} a month. After requesting an explanation from Wells Fargo, we never received a response. We paid the increased mortgage payment over the next 12 months. Our mortgage increased to {$4100.00} effective XX/XX/XXXX, however these was an increase in our XXXX County taxes. Again, we asked for an explanation to no avail. We paid our XX/XX/XXXX mortgage of {$4100.00} on XX/XX/XXXX with Wells Fargo Check # XXXX. Wells Fargo cashed the check but never credited our account and thus said we were 30 days delinquent on our mortgage payments. However, we never missed a month of payments. Then, we fell behind 2 months in XXXX owing for XX/XX/XXXX and XX/XX/XXXX, however we made a payment on XX/XX/XXXX for {$8300.00} though brought us current. However, Wells sent us a statement saying that we owe {$5200.00}. We asked Wells Fargo to thoroughly review our payment history as we had proof that we made all the mortgage payments due. Wells Fargo refused to acknowledge our request. WellsFargo stopped accepting our mortgage payments in XX/XX/XXXX as they kept stating that we were delinquent. Wells Fargo never explained why they increased our escrow payment on a fixed interest rate loan and why they never credited our account for a payment that they cashed. We feel like they have no regards to our payments or mortgage contract

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