milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (VA).
Issue: Credit decision / Underwriting

Complaint: DiTech sent me a special payment reduction offer. The offer required me to submit the paper work before XX/XX/2016. I submitted my paper work by fax on XXXX XXXX and sent a hard copy on XXXX XXXX, 2016. I did not receive the special offer I was promised. It is apparent that DiTech did a " Bait and Switch. '' This company is a, '' FRAUD. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with SECURITY FINANCE CORP (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have taken out one loan with security finance and it 's paid off which was 7 years ago probally around 2009. I 'm seeing new loans from as recent as 3 years ago with with them with different amounts borrowed that I did n't make myself. Seems someone used my information to create new accounts with out my knowledge because I never got any mail from them since my first and only loan I did myself.

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 10-06-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: There is no recording of my bank account for the beging opening XXXX XXXX at the end of the night XXXX I depsit XXXX at the XXXX branch somthing was wrong the ATM rate my XXXX. For XXXX the a button. ask did I wont my money back I pushed yes they gave me back XXXX I told the banker about the problem I was not clear on what he told me but he did n't. reimburse me I started. Putting. Money in the bank at night at the end of Ice Cream XXXX day {$100.00}. {$80.00} {$100.00} {$90.00} {$150.00} XXXX The {$40.00} dollars that was pending I didnt get The debit card I had only had XXXX dollars and I could not use It only my card keep decline. Every day XXXX next day XXXX next XXXX It stop at XXXX dollars I needed gas so I use it thay have no record of my account. Only XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I did a lot of banking at XXXX XXXX The bank gave me {$170.00} dollars now the bank is asking for it back there more transactions at the west end branch

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 03/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Settlement process and costs

Complaint: Wellsfargo Asc is a tax that I paid XXXX in interested when it was a deeds liun that that 's false find the document and it also says I 'm texting and driving to home I do not been home I agreed to the terms of the main and with the home and the date that I saw that they allowed me to pick so and I was n't home and tax so it 's first try a document scenario is a predatory lending but it 's also frustrating not to mention you use my utilities after I request them to be turned off the day after I moved

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX SUN TRUST BANK/XXXX To whom it may concern, I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! the courts had historically misinterpreted the laws, falsely deeming student debts as student loans under the bankruptcy code. At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

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 Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I wrote a check # XXXX to XXXX XXXX for {$20.00} in XXXX, Ca. They ran the check electronically ( Telecheck ) to get their money right then, but did not give me back the check. XXXX XXXX deposited the check through their bank. They got paid XXXX times. My bank reversed payment on the first electronically made payment. Now the check service has forwarded the debt to TRS Recovery Services, Inc for collection. TRS Recovery Services would like us to pay them for this again. They have called XXXX times before XXXX XXXX. My wife has talked to three different people at TRS about this and they still ca n't get it right. I have talked to XXXX XXXX, they said they would call ( Telecheck ) and take care of it. They have not done this at this time. Now this is going on my record that I wrote a bad check. Guess what? I 'm not buying from XXXX again! 
What can you do about this?? I have all the paper work from the Bank. I have forwarded this to the TRS Recovery Services. Fax # XXXX Can you give me any help on this? 
Thank you!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/16/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MA).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2018 I purchased XXXX ETH and XXXX LTC for {$2100.00} USD and {$860.00} USD respectively through https : //www.coinbase.com. On their site, they indicate they advertise that after business 3-5 days, the ACH payment will process, and then they will provide the currency " instantly '' once the bank processes the payment ( see photo 3 for their advertisement of the process ). Based upon their advertising, my understanding was that I would receive the ETH and LTC within 3-5 business days from the time the ACH was initiated. On XX/XX/XXXX, the funds for the aforementioned purchases went out ( see image 4 ). At the very latest, per their advertisement ( image 3 ), funds should have been available by that friday, XX/XX/XXXX. By not having access to my funds and by falsely advertising when my funds would be available, I have experienced a tangible loss in value as the value of ETH & LTC have fallen substantially. Numerous other instances of Coinbase defrauding customers and cancelling or delaying transactions when it is convenient to them can be found online. I believe they are buying currency and fulfilling orders as the price suits them, rather than at the appropriate time when the funds are received per their advertised image 3. Customer support has been completely unresponsive to any inquiries and I 've received no responses from them. 

There has been no action from Coinbase despite taking my money 7 business days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with Aldous & Associates, PLLC (OH).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I recieved a Debt Collection letter from Aldous & Associates PH : XXXX on XX/XX/17 regarding a phone purchase at XXXX XXXX, in which is a XXXX party retailer for XXXX XXXX. Upon getting a XXXX XXXX XXXX plus there was an agreement to pay XXXX in 24 month installments a set amount per month on top of the monthly phone bill. Since I didnt keep my XXXX account longer than 6 months, this company XXXX XXXX is trying to charge me a {$600.00} fee for cancelling service in which should not be allowed as I already agreed to pay {$840.00} for the phone and then another {$600.00} for cancelling. Thats {$1400.00} for a XXXX XXXX at which at this point is being sold illegally against XXXX XXXX, as a retailer can not charge no more than the actual retail price. XXXX XXXX and thier collections agency is a scam and trying to collect twice on the phone. XXXX XXXX does not explain or advise there is a {$600.00} fee if you decide to cancel in less than 6 months. I am requesting that this company is looked into and investigated as I plan on taking further legal action that could result in a lawsuit. XXXX XXXX would not discuss the issue with me when i previously contacted them about their letter i recieved dated XX/XX/17. The management there was rude and hung up. The rep i spoke with at the debt collection agency had no clue about the CFPB and didnt know whether or not if they have ever been in compliance with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: called me at XXXX XXXX on XXXX/XXXX/XX/XX/2015 saying that I owe {$1600.00} and I talked to the management company that filed it against me and they told me adjusted it to {$940.00}. XXXX calls me saying I have to make a payment before XXXX on XXXX/XXXX/XX/XX/2015 after the fact that I asked them to mail me something stating that balance and they refused to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Student loan (Federal student loan servicing) with ACS Education Services (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I graduated from my university and XXXX in the military in XXXX. I should have the 6 % interest rate on my student loan according to the Servicemembers Civil Relief Act ( SCRA ). ACS Education Services has my interest at 6.8 % and told me that they need a copy of my orders to verify that I am in the military. I emailed them a copy of my XXXX XXXX XXXX in XX/XX/XXXX ( showing my XXXX as XXXX XXXX ) as well as my XXXX ( XXXX XXXX, XXXX XXXX ) showing that I will be in the military until XXXX. They rejected both of these documents for " title and authority '' because they wanted the rank and branch spelled out. However, every military document has the rank or branch abbreviated. I asked what specific DA/DD form they accept and they keep saying " military orders. '' I 've given them several different military documents and orders that show my full name, SSN, and service dates yet they keep getting rejected. It is illegal for them to reject official DOD documents and forms. I believe this is their way of scamming the system to prevent service members from getting the lower interest rate. My 6.8 % interest rate needs to be corrected to 6 %, back-dated to XXXX XXXX, and the entire loan amount owed should be corrected based on the 6 % interest instead of the 6.8 % applied over the last six years. They have been overcharging me for the past six years and I should get the amount paid on the 0.8 % refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Conventional fixed mortgage) with Statebridge Company (KS).
Issue: Loan servicing, payments, escrow account

Complaint: Loan was sold or transferred to Statebridge Mortgage. 
They are not providing accurate information about account. 
Shows I owe for two months when I have paid every month for 5yrs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: . New servicer is reporting a tradeline that was discharged in a Chapter XXXX Bankruptcy. The reporting date is XX/XX/XXXX and Date of last activity is XX/XX/XXXX. This debt was discharged in XX/XX/XXXX and I didnt reaffirm.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I discovered an unauthorized charge on my  American Express  card in the amount of {$12.00} for an  XXXX   XXXX  membership on   X/X/17 .  I contacted  American Express  and was told that I did not have to close the account but they would place a merchant block so that  XXXX  would no longer be able to charge my account. The same charge appeared on   X/X/17 .  I called again and was told that I should close the account and open another one. I inquired about the merchant block and was told that with memberships, they continue to be charged even after an account is closed. I asked how the issue can be resolved since the unauthorized charge is for a membership. I did not receive a satisfactory answer. I later received an email stating that an account number that I did not recognize was charged for {$12.00} for the  XXXX   XXXX  membership. When I called  American Express  again I was told that an old account that was closed many years ago was accessed and the charge got processed through that account and then bounced to the new account. I explained that many years ago I did close an account due to a security issue. I was told that it was not closed properly. At this point I have been told on the phone by various  American Express  representatives that all of my accounts are closed as I had requested at this point but I continue to receive email that contradicts that information. I contacted  American Express  headquarters in New York and was advised to send them a letter. I sent them a certified letter on Saturday,  XXXX   XXXX . I called today after having received an email that seemed to indicate that there is still an open account and I was told by staff in their legal department that someone would call me eventually but would not give me a timeframe. I have spent many hours on the phone talking to many American express representatives. Several calls have lasted  1 to 2 hours  in which I was transferred to numerous representives. Some of the representatives have been in the US and some have been outside of the US. Some of the phone connections have been OK but some have been extremely poor. There has also been a language barrier with numerous representatives. Overall this experience has been extremely time-consuming and inefficient and is still not resolved. To clarify, while I have had an  American Express a ccount, I have been the only authorized card holder

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2017 about Student loan (Federal student loan servicing) with Courtney & Camp (MS).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I received a summons from  Courtney and Camp   in  XX/XX/XXXX  regarding an  unpaid student loan from   XXXX   XXXX   University. I responded immediately to arrange an affordable payment plan. I explained to the representative that I would only be able to send what I could afford and it was never disputed. I was told that any payment  would be better than no payment at all. From  XX/XX/XXXX  to the current month of  XX/XX/XXXX , I ha ve been making  XXXX  dollar monthly payments by check. Once again, this has never been disputed by this particular representative or anyone working at the firm by phone call, mail, or any other form of communication. They have been accepting my payments and I have the bank statements to prove so. I made a phone call to the firm and spoke to someone by the name  XXXX  this past Monday about a writ of garnishment I received in the mail. It confused me because I have been making my payments on time monthly. My issue is that there was a paper inside stating for me to appear in court  on  XX/XX/XXXX ,  XX/XX/XXXX  and the postage on the mail is dated  XX/XX/XXXX .  XX/XX/XXXX  was on a Thursday. How would I have been able to make an appearance in court to plead my case when the papers were sent late by   the firm? It did n't arrive in my mailbox until the end of that week. It just makes me feel as if this was done purposely just so my wages could be garnished. When I tried to explain this to  XXXX , she was unbelievably rude and dismissive of the situation as if there was nothing else left for me to do except accept the garnishment. She made excuses by stating that I have n't spoken with anyone at the fi rm since  XX/XX/XXXX . If the onl y acceptable payment is by check and the payments are being made monthly, then why do I need to speak with anyone? How is it okay for this representative to tell me that  XXXX  dollar payments are not acceptable, yet they are still being withdrawn from my account? I do n't have anything to hide and my bank statements prove so because I 've been making my payments on time. No one ever stated to me that a certain amount had to be mail in to avoid garnishment. If what she says is true about them getting fired due to the amount in payments I 've been sending in, then someone needs to be fired immediately. This matter was poorly handled by   XXXX   and I want an explanation. I should not have to risk my wages being garnished and not having a place to stay because this firm failed to send my court papers on time. Not to mention, I have been making my monthly payments on time. I need answers from anyone that is willing to assist me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (FHA mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Capital One is reporting XXXX mortgage accounts on my credit report that are in violation of the Fair Credit Reporting Act. They are reporting the last reported date as XXXX XXXX for the accounts below when the last late lates were made in XXXX XXXX. 

This caused me to get denied for a mortgage because it made it seem like I was late within the last year since the last report date was XXXX XXXX. 

The account numbers are XXXX and XXXX. 

There is no balance on the accounts and I even disputed this account months ago and they verified it as accurate which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts military clothing limit XXXX Take Home today limit approx XXXX Normal Credit Cart XXXX in went into collections in 2013 since then I have had my income tax garnished approx XXXX, my military pay garnished approx XXXX, I recently paid {$1000.00} dollars in XX/XX/XXXX, and will pay XXXX more this month. However the balance is XXXX dollars, my attempts to get them to explain how the number is so large i.e. where are my payments have not been successful. I was told I would have to wait for a letter 45 days to explain the payments I made and the debt I owe. It seems that the balanced should be much less than the current amount.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Mortgage debt) with Fay Servicing, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter fro m Fay Servicing with a foreclosure filing 2 days before the foreclosure case was granted and closed and the foreclosure was filed by a different mortgage company. Prior to the day of me receiving the letter I had not been contacted by or even heard of Fay Servicing.   XXXX   XXXX  , 2017 a letter was left at my residence on the door sweep, from someone from Fays Servicing, not via a delivery service such as US mail or anyone from a legal affiliate. Fay Servicing has reported a {$60000.00} balance for a mortgage on my credit report showing 90 days past due and has caused my credit score to severely decrease. The property that was into foreclosure balance was not even close to {$60000.00}. Please investigate this company for they have committed fraudulent activity.

Company response to consumer: Closed with explanation