milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced a mortgage loan ( Loan No. XXXX ) with Ditech Financial llc in XXXX 2016. I made my correct monthly payment of {$670.00} on XXXX XXXX, 2016. This payment reflected my previous payment of {$310.00} to cover an escrow shortage as requested in Ditech Escrow Account Disclosure Statement dated XXXX/XXXX/2016. As part of the refinancing process, I received an email from XXXX XXXX at the Originations Operations, located in XXXX, CA, instructing me to submit {$26.00} for an escrow adjustment. I sent that payment on XXXX XXXX, 2016. Ditech for some reason applied {$19.00} of this amount as a late fee. I contacted Ditech ( XXXX in South Dakota ) who said she would correct this transaction. I also notified XXXX XXXX and informed her of this error. XXXX replied to me in an email dated XXXX XXXX, 2016 ( XXXX ) : " For your information, you do not have late fees on your account and {$26.00} was not applied towards late fees, it was applied to your XXXX mortgage payment ... and were applied towards escrow account ''. After this correspondence I also contacted XXXX ( XXXX XXXX, MO ), XXXX ( South Dakota ), and XXXX ( XXXX XXXX, MO ) regarding getting this error corrected. All replied that they would involve their supervisors in correcting this error. I was also advised to contact Ditech via email to further emphasize the need for action. Today ( XXXX XXXX, 2016 ) a letter from Ditech explaining that my payment of {$26.00} was considered " late '' and therefore a late fee of {$19.00} was properly assessed. 

So after all these months Ditech is still unable to correctly understand the issue, nor are they able to correct the inappropriately applied funds. I am frustrated that Ditech personnel appear to be unable to make corrections in their system. Each person I have spoken to agrees that the funds were misapplied, but it appears the customer service reps are located in remote areas and have little or no contact with the main organization.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: While I was undergoing a credit check in order to obtain my XXXX license, it was discovered that I had a previously unknown collection account on my credit. I contacted the debt collector " Southwest Credit XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone XXXX '' and was told it was a debt to XXXX from several years earlier. I asked them for verification of the debt, however all they sent me was what looks like a blank XXXX bill with the amount they say I owe as a " previous balance. '' I called them back and they told me that that was all that they have and I would have to call XXXX myself. When I called XXXX I was told that they do not know what they debt was for and that I would have to get that information from the debt collector. I talked to Southwest Credit XXXX XXXX time and they were very curt and said " We gave you what we have, now you need to pay. '' While no one at either XXXX or Southwest Credit can explain what the debt is for, my fear is that they are claiming that they never got their cable boxes back. When I closed my account I did so in person and turned in my equipment, but for almost 6 months I got phone calls almost every day saying I had not returned my equipment. I always told the caller that I did return my cable boxes and they always said they would look into it, and then the calls would keep coming. At this point I do n't know what to do, I firmly believe the debt is not valid and neither XXXX nor Southwest Credit will provide me with anything to show that it is valid ... however this is seriously endangering my employment and if it is not resolved soon I will be force to pay it. I 'm basically being held hostage and robbed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Credit Information Services Inc was negligent in the storage of my personal information and account numbers and allowed my data to be breached. Despite my data being breach more than one month ago, Equifax has not notified me and I only found out about the breach from the national media.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX of XXXX, my wife and I were pre-qualified by Wells Fargo Mortgage to purchase a home in the amount of XXXX. We placed an offer on a new construction home which had been on the market for 6 months. During the negotiations, we asked the builder to throw in a fence and we would offer XXXX. The builder ( XXXX XXXX in XXXX Alabama ) said he would put the fence up, however, my wife and I would have to pay XXXX ( above our Ernest money ) which would come back to us in closing. However, if we BACKED out of the loan ( this is key ) we would NOT get our money back. Three days before closing, Wells Fargo called us and told us they could not write the loan. When we contacted the builder ( as we DID NOT back out, the bank messed this up ) they said they would give us only till XXXX XXXX XXXX to purchase a home from them and they would apply the XXXX to that home. Who would want to purchase a home from a shady place like that knowing we had nothing to do with what happened? So, we called Wells Fargo for replacement of the XXXX they told us in not so many words, it was our loss even though we were completely mis-lead from the prequalified letter to the whole work up to closing. 
My wife and I are both XXXX 's. When we applied for the loan we were both XXXX XXXX with XXXX XXXX and told our mortgage officer XXXX XXXX in XXXX Alabama that we were leaving the XXXX XXXX and coming back home permanently. She was fully aware and we got taken for XXXX and Wells Fargo refused to make it right. 
Please help! I was unaware of the CFPB till seeing a report on a Sunday Morning program today! 

Please contact me if more information needed. 

We spoke with a man at Wells Fargo in their consumer division named XXXX XXXX ( XXXX ) XXXX XXXX XXXX Wells Fargo XXXX XXXX ( XXXX ) XXXX Office ( XXXX ) XXXX Cell

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 05-03-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I negotiated down a debt with the original creditor that I owed from XXXX separate dates of service, The creditor agreed to accept a total of {$620.00} to clear entire account/ both dates of service. The creditor sent the payment to IMC Credit Services along with the statement " account paid in full '' ; however IMC Credit Services only applied the payment to XXXX account. I have sent them proof along with forwarded emails from creditor and they still have not removed this from my credit report after 27 days after proof sent.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Credit card) with Northstar Location Services, LLC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: LAW FIRM TALKED TO MY FAMILY AND CO WORKERS, in violation of fcra, fdcpa, tcpa and skip tracing

Company response to consumer: Closed
Consumer complaint received 07/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with J&L Collection Services (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I reached out to XXXX agency debt consolidator to resolve my debt with J & L Teamworks who is a debt collector. When i sighed we agreed I would only pay {$2100.00} and pay {$150.00} a month to settle my debt and fix my credit. XXXX agency only had business with me for a short while, then transfer me over to another Consolidation company closer to me in California. I ask if my agreement of {$2100.00} would still be in place and my payments of {$150.00} per month would still apply and they said yes. After about XXXX years my balance went down to {$680.00} and I requested a payout. XXXX XXXX said it should not be a problem and reached out J & L Teamworks to settle. I waited awhile on the phone and when they returned they said that J & L Teamworks wanted {$7700.00} to settle and wanted to add XXXX other accounts to my balance. I said no. XXXX XXXX wanted me to sign a new contract to add the new balance and the XXXX other accounts, i said no. They said would I like to terminate my services till I have the funds to pay off the settlement and i said no I want to pay off the original agreement and they refuse to and hung up. When i got a statement the next month they add {$7700.00} to the balance and added the XXXX other accounts. I felt my first amendment right were violated. XXXX then sent me an email stating that i have been paying on the account I never agreed to and sending me false statements every month.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: Hi, Before I get into anything I just want to say how I do enjoy Coinbase. The service has been amazing. However, it seems like XX/XX/XXXX something happened and I ca n't seem to get a response from anyone that works there. 

I know they are backed up and I would wait longer but the amount that is owed to me {$110000.00} which is a lot. 

Here are the wires that are missing and the ref # s that were put on the emails. 

{$11000.00} Ref # XXXX on the XX/XX/XXXX {$49000.00} Ref # XXXX on the XX/XX/XXXX {$49000.00} Ref # XXXX on the XX/XX/XXXX Each wire was supposed to be sent next day. We are in XX/XX/XXXX. 

Any help would be amazing to get my funds back or anyones attention. All I wanted was some reassurance that I would get it back. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Payday loan, title loan, or personal loan (Title loan) with CHECK INTO CASH INC. (CA).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: In XXXX XXXX I took out a title loan in XXXX CA. I received {$2500.00} cash and had a XXXX payment on the XXXX and XXXX of each month. I made 4 payments on time and then fell behind. XXXX XXXX XXXX I sent them XXXX. Today, XXXX XXXX, XXXX they came to my house and towed my car way. They want another XXXX plus XXXX for the towing cost. 

I did n't receive anything in writing, and was called with only messages to call them back. I think it 's wrong that I paid the entire loan amount but still owe over 1000.00 in their fees and now they tow my car.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Billing disputes

Complaint: This is in regards to a Bank of America credit card account # XXXX showing on my credit history as closed by consumer and unpaid balance charged off. The information provided by Bank of America is incorrect I was an authorized user on this credit card which was opened and maintained by my late spouse XXXX XXXX XXXX. He died on XXXX XXXX, 2011 when Bank of America was notified of XXXX 's passing they automatically closed the card and would not allow me access to it. I had no knowledge of any remaining balance nor did they make any attempt at placing a claim with his estate. They made what was already a very stressful situation even worse. I still have no idea what balance was charged off nor do I have the full account number for which they are reporting adversely on my credit history. I did previously try to contact them with no success or sufficient response. I would like all credit reporting that they have done and are doing deleted from my credit history. I feel they are in violation of the FCRA and have committed a UDAPP as they have made no effort to collect the debt from me which they are saying I am responsible for. Your help and swift resolution of this matter will be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent a debt verification for a cell phone line of XXXX who sold the alleged debt to a debt collector. I sent a debt verification letter to both XXXX & the debt collector, and received a return to sender from the debt collector and no response from XXXX six weeks ago. I would like this debt to be removed because XXXX companies have been unable to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I received letter from PNC Bank dated XXXX XXXX, XXXX advising me about closing my account on XXXX XXXX, XXXX. PNC reference # XXXX. 
I have been associated with PNC for approximately 30 years in good standing, checking account and recently open credit card account. 
I contacted bank at the number posted on letter and basically told letter was self explanatory which frustrated me even more. 
I have had legal problem about 3 years ago for which charges were filed but not convicted the charges were expunged and now problems are occuring. 
I maintain excellent credit rating and getting extremely frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Trouble during payment process

Complaint: I have the Home Equity Line of credit with Citizens Bank since XXXX XXXX. It 's an adjustable rate based on Federal prime rate. Initial rate is 3.09 % APR. I paid regularly and never late for my payments. I borrowed {$110000.00} initially but increase to {$160000.00} in XXXX XXXX to cover my boys student loans.. And now my balance is down to about {$130000.00}. This year they increased my APR 3 times- XXXX XXXX to 3,10 %, XXXX to 3.35 %, XXXX XXXX to 3.6 % .When I call consumer finance department of the bank - representative, XXXX XXXX replied that the rate increase is based on XXXX XXXX XXXX rate .

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: OPENED CARD I XXXX 2015 FOR FURNITURE. DID N'T GET FURNITURE FOR MONTHS. WHEN WE FINALLY GOT FURNITURE, IT WAS ALL BROKEN. DISPUTED CREDIT CARD AND WAS TOLD NO REPORTING DURNING DISPUTE. NOT ONLY DID THE HOME DESIGN COMPANY NOT STAND BEHIND US AS THE FURNITURE IS STILL NOT REPLACED OR REPAIRED. THEY REPORTED US 90 DAYS LATE. CREDIT REPORT SHOWS NO LATES EXCEPT A 90 DAY. YOU WOULD HAVE TO BE 30 THEN 60 THEN 90. WE WERE NEVER LATE AND FINALLY PAID CARD OFF. STILL HAVE BROKEN FURNITURE THAT WAS NOT REPLACED OR FIXED. HOME DESIGN COMPANY SHOULD HAVE STOOD BEHIND US. WE HAVE SENT LETTERS AND PICTURES AND THE NAME OF THE COMAPNY THAT CAME OUT 8  MONTHS AFTER WE GOT FURNITURE TO LOOK AT REPAIR. THEY STATED IT COULD NOT BE FIXED AND HAD TO BE REPLACED. FURNITURE STORE WILL NOT REPLY AND HOME DESIGN COMPANY WILL NOT HOLD BACK THE MONEY AS THEY SHOULD HAVE! 

STAY AWAY FROM ONE STOP BEDROOMS AND HOME DESIGN SYN FURNITURE CREDIT CARD

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 01/25/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I placed a stop payment on a debit transaction on XX/XX/XXXX however on XX/XX/XXXXandXX/XX/XXXX the item posted to my account causing for my authorized transactions to be returned in error. I called BBVA Compasss on XX/XX/XXXX to rectify the situation and they told me that the stop payment that was placed had expired, which was information that was not provided at the time of placement. I have been adversely impacted and they state they are unable to immediately assist me all the while charging me fees. I have reviewed their stop payment policy online which does not disclose a 2 week expiration but is as followed : Stop Payment Orders. You may request us to stop payment on any check, draft, or similar written order or instruction drawn on your account by giving us the information we may request, including the account number, the item number, the date of the item, the payee of the item, and the exact amount of the item, and by paying our stop payment service charge. We will search for your item by computer, so it is essential that all information you give us be accurate. To be effective, we must receive any stop payment order in time to afford us a reasonable opportunity to act. We will confirm your oral stop payment order in writing, and the information included in our written confirmation will be conclusively presumed to be correct unless you notify us within fourteen ( 14 ) days of the date of the confirmation.

Confirmed stop payment orders will be continued in effect for a period of two ( 2 ) years from the date the initial oral stop payment order was placed or such other period of time as required or under applicable law, regulation or rule ( including, but not limited to, the UCC as enacted under any applicable law, regulations issued by the Federal Reserve Board and rules issued by the XXXX XXXX XXXX ). A confirmed stop payment order will expire at the end of the two-year period unless you revoke it at an earlier date or renew it in writing for an additional two-year period and pay our stop payment service charge. You may not stop payment on an item if we have verified to the payee that the available balance in your account is sufficient to pay such item, or if we have accepted that item by payment or otherwise. Any account owner or authorized signer may place a stop payment order, and we are not required to release a stop payment order unless requested to do so by the account owner or the authorized signer who requested it. You agree to indemnify us and hold us harmless from and against any loss, damages, and expenses ( including attorneys fee ) we may incur by reason of our refusal to pay any item upon which you have stopped payment. For stop payment orders on pre-authorized electronic funds transfers, please refer to the Electronic Fund Transfer Disclosure Statement in this Agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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 requested an investigation into the following unknown and unauthorized credit inquiries listed on my Equifax credit report, yet they remain in direct willful and continual violation of the FCRA ( Fair Credit Reporting Act ). 

1 ) XXXX XXXX on XXXX/XXXX/XXXX 2 ) XXXX XXXX XXXX on XXXX/XXXX/XXXX 3 ) XXXX XXXX on XXXX/XXXX/XXXX 4 ) XXXX XXXX XXXX on XXXX/XXXX/XXXX Under the FCRA Section 604, please provide the following information : 1 ) Permissable Purpose 2 ) Proof that the consumer initiated the unauthorized inquiry 3 ) Written Authorization Failure to provide the above requested items as evidence that I authorized these inquiries is sufficient grounds for removal of the inquiries from my Equifax credit report. 

Thank You For Your Time.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was never on a lease with at a rental building called XXXX. i lived in the complex briefly but was never on the lease and only stayed there temporarily. Just recently I was contacted by a collection company stating that i owed XXXX. This ca n't be as I never was on any legal document. I 've attempted to have them send me the proof of debt to no avail as well as try to have the item removed by going directly to the bureaus. They are negatively affecting my ability to get a home loan at this point and I have no other place to turn. Please assist in any way that you can. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Hello, my name is XXXX XXXX I live in XXXX and today I find the courage to contact you to help me with a financial problem I encounter with Coinbase ( www.coinbase.com ). For months I 've been using my credit card and using some of the services the company offers without the slightest problem. On XXXX I sent a bank wire transfer to certify my bank account as it was. The problem I faced for the first time is when I asked the company to send me a wire transfer from my Coinbase account to my bank account at XXXX. The amount was XXXX on XXXX XXXX, XXXX. As isknown, XXXX bank transfers do not take more than three days to complete unfortunate but in my case still the amount I asked not only did not pass into my my bank account but obviously they have not even tried to send that money! I have tried to make a phone call with them but unfortunately I could not wait as I was waiting for more than three hours, I also sent email but still did not answer me until today when I sent this request. That 's why I asked for your help! I have attached my ID, my bank account information as well as pictures from the Coinbase system where they show the process I have executed with the exact amount of my details and the bank account! If you need more information please contact with me, me email is XXXXXXXXXXXX and my phone number is XXXX or XXXX Best regards XXXX XXXX

Company response to consumer: Closed with explanation