milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: A Ditech representative called and said XXXX XXXX of Ditech asked her to call and inform me that Ditech was denying my loan modification because I did not have a payment arrangement with IRS. 
When I told IRS they said to send them proof that Ditech told me they would not give me loan modification unless I have payment arrangement with IRS so I waited for the letter from Ditech stating the reason for my loan mod denial. When the letter came it said THAT I CANCELLED the loan modification request. THAT IS NOT TRUE! 
I then called Ditech and recorded the manager reading the notes on the computer where a representative on XXXX XXXX, XXXX who identified themselves as XXXX, noted that they were denying my loan modification because I did not have a payment plan with IRS. I RECORDED THE CONVERSATION and will have it transcribed if I need it for a trial. 
The representative said they would email me the note from their computer but nothing came. When I called that same representative again he said he was told he could not send the note and that he was told that if I wanted the note I would have to subpoena it. That would mean spending thousands retaining a lawyer. 
Please tell Ditech to send in writing that they denied my loan modification because I do not have a payment arrangement with IRS. 
This all stated when XXXX FORCE PLACED INSURANCE ON MY MORTGAGE EVEN THOUGH I have had insurance with XXXX since XX/XX/XXXX without a lapse. I sent them proof of insurance but they only refunded me partial amount of the fee for their forced placed insurance policy which threw off my escrow. I refused to pay the extra amount so they put my payment into suspense and started saying I missed a payment. They then sold my loan to Greentree, which became Ditech. I explained everything to Ditech that had transpired. Ditech asked XXXX to investigate. In XXXX XXXX XXXX admitted they had unnecessarily charged an added forced placed insurance policy and refunded {$1000.00} to Ditech but Ditech refused to waive the fines and fees for all the months they said I was missing a payment. So I asked for a loan modification to get rid of the fines and fees. That is when Ditech refused to give me a loan modification because I do not have a payment arrangement with IRS. Ditech started returning my payment each month and is set to auction my property on XXXX XXXX, XXXX. I inherited this home from my sister, XXXX XXXX, who died in XX/XX/XXXX. 
If you have any questions please call me at ( XXXX ) XXXX. 
Sincere thanks for your help. 
XXXX XXXX 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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as social security number, date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: 1. From XX/XX/XXXX to XX/XX/XXXX, my card shows fraudulent charges. 2. The card is cancelled by Bank of America ( BoA ) and all the charges are reversed. 3. On XX/XX/XXXX and XX/XX/XXXX - BoA charges 50 and 250 dollars of these fraudulent charges back to me stating that their fraud department believes that these are genuine charges and not fraud charges. 4. I call them up on XX/XX/XXXXand argue that these are not transacted by me and BoA says that they will reopen the case and it will get resolved in 5-6 weeks. 5. I check my online account on XX/XX/XXXX, 9 weeks after my discussion with BoA consumer service and Fraud Department, the charges are still there and nothing has happened. I call the Fraud Department and they say that it takes 2 billing cycles since by request to resolve a case. First they say that it will be end of XX/XX/XXXX, but after I calculate the exact billing cycle end it turns out it will be XX/XX/XXXX. 6. Based on my discussion, I do n't think they will do anything.
7. This is a case of an ineffective fraud department.
8. I would like CFPB to help me resolve this.
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Thanks.
XXXX

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 11-04-2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (MD).
Issue: Trouble during payment process

Complaint: PHH mortgage sent letter on XXXX XXXX 2017. The letter claims they mistakenly sent my original bills for this mortgage to zip code XXXX. in fact they sent them to the subject property at ZIP code XXXX. In the same letter they claim they switched future correspondence to the same XXXX ZIP code. So by their own admission they made no change to the account and in their own processes they believe they are illegally sending my correspondence to the wrong address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: 1. We sent our credit card payment in full in two months ago. 
2. We received our next credit card bill, indicating that they had not received payment for the previous month and that we owed late fees and interest. 
3. On XX/XX/XXXX, we contacted Bank Of America by phone and they indicated that if we paid immediately with a e-check, they would waive the late fees. We authorized an e-check for the full amount of {$5800.00}. 
4. On XX/XX/XXXX we received an overdraft notice from our bank, XXXX XXXX XXXX in XXXX, Ok. We went on line and noted that BOA had sent an e-check for {$58000.00} ( they had added a XXXX to the amount it should have been for ). 
5. On XX/XX/XXXX, we contacted BOA and after an hour on the phone, they indicated that we would receive our money within 5 business days. 
6. On XX/XX/XXXX we went to our bank, XXXX XXXX XXXX, and filed a complaint with them to get the over payment amount back. 
7. On XX/XX/XXXX, we had not received our over payment back, so we contacted BOA again. After almost 3 hours on the phone, we finally made it to a manger - XXXX XXXX - ( XXXX ) XXXX.XXXX - and he indicated we would have our money back within 3 business days, but should be sooner. 
8. On XX/XX/XXXX, we still had not received our money back, we contacted BOA / XXXX XXXX and he indicated that a BOA Supervisor was not comfortable sending that much money back to us ... so he would not authorize it. He was not sure if or when it would be sent back. 
9. On XX/XX/XXXX, we filed a complaint with the OCC. 
10. On XX/XX/XXXX, we contacted XXXX XXXX XXXX to see what progress they had made in recovering the theft. 
11. On XX/XX/XXXX, we reached out to CFPB and filed this complaint. 

We did not authorize BOA to withdraw {$58000.00} from our account. 
We consider this as Bank Fraud / wire fraud. 
We want our money back and they should be penailzed. 

XXXX XXXX XXXX XXXX

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 11-12-2017 about Debt collection (Credit card debt) with Merchants' Credit Guide Company (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: strange and unfamiliar account pops up on my report. I wrote both the credit buraus and the collection agency about it and they both sent me the same computer generated information which only shows my address matched to these false accounts. I have written them again and requested a real debt validation and not some e-oscar varification print out. Have n't heard back from neither.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Vehicle loan or lease (Loan) with CONSUMER PORTFOLIO SERVICES, INC. (VA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: In XX/XX/XXXX, My vehicle was repossessed by Consumer Portfolio Services ( CPS ). Upon contact with CPS, I was told the vehicle had been repossessed and more information would follow as a result of the repossession. Until the day I have yet to receive any information concerning the car or the amount the vehicle was sold for/invoice. Furthermore, it is Virginia law I be supplied with the invoice as well as the Date and location the vehicle would be sold. After reviewing my credit report, I saw that the company provided an ending balance of {$5600.00}. How is this possible? How am I suppose to know this is correct? Furthermore when I reviewed the account several payments were not posted correctly to the principle balance. I have enclosed the document from my credit report to show the issues with CPS.  If you review XXXX to XXXX a payment was made with no late fees incorporated yet the balance remained the same. I examined the other reports an all reflect the same issue. If you review XXXX I paid XXXX and yet my principle balance was only credited with {$610.00} Even I was paying the loan at 23 % there is no way the balance should only move XXXX dollars. The same thing happens from XXXX and XXXX, XX/XX/XXXX and over the course of the loan this company did not post my balance correctly on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Payday loan debt) with GVA Holdings, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I was contacted by a man named XXXX XXXX claiming he is from XXXX XXXX XXXX. He claimed that I gave fraudulent check information or inaccurate checking account information to pay a debt. He said the debt was from Target Cash Now. I then received another message from an XXXX XXXX from XXXX claiming to from XXXX XXXX XXXX. She said I was going to be served at my place of work and the documents needed to me signed by me and my manager. She gave me a different number to call than XXXX XXXX. I called that number and the first time it went to voicemail claiming to be XXXX. I then called it back again and was able to speak to another person that sounded like XXXX XXXX the first man I spoke to. He said he couldn't give me any information and had to transfer me to a different department. He also wouldn't tell me what XXXX stood for he said it was the company name. The man that answered when he transferred me asked if I was recording the call and I said yes. He then said he couldn't give me any other information and hung up on me. 

I called Target Cash Now and spoke to someone in their collections department and he said the only company they use for third party collection was XXXX XXXX. 

These people need to be stopped!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I spoke with Equifax employee XXXX from the XXXX team on XXXX/XXXX/15 around XXXX to XXXX this phone call was recorded so you can go back and listen exactly what he told me. I asked him how do you receive this information from XXXX XXXX XXXX XXXX because they can not verify this information with myself the company does not exist. I was told that the investigation was only that the Collection company had to do was answer yes or no if the collection from XXXX XXXX XXXX XXXX was mine, there is no checking of social security numbers or address etc. XXXX himself said he gets a lot of calls from other consumers stating that this is not believable and more should be done to investigate disputes. Is this how disputes are conducted by Equifax? This to me does not meet the requirements of FCRA 611 ( a ) ( 1 ). Then I started to conduct my own investigation on Equifax and found out they are paid from companies to place these collections, no wonder they do n't want to investigate the accuracy, a simple yes or no is all it takes. I will be filling a complaint on Equifax and the collection company XXXX XXXX XXXX XXXX to the ILLINOIS ATTORNEY GENERAL OFFICE XXXX XXXX to see if I can get help to file a lawsuit or a civil suit on both companies. I will also start a social media page to see if any other consumers have had issues regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2015 my dog was attacked by another dog. As she was bleeding out in the middle of the night, I took her to the vet, but was not able to pay for the emergency surgery out of pocket. The vet had me apply for Care Credit, which covered {$500.00} of the expenses. I am now trying to pay my bill. I, understandably, was a bit distressed during the application process and do not remember my log in information. So, I have been trying to call the company at their published number of XXXX. When I call, all that happens is I am congratulated on being eligible for special offers, which I decline, only to be met with another offer and another and another until finally I am given another number. When I call that number, the ads begin again. I want to pay my bill. I do not want this to negatively affect my credit, but this company is obviously actively making that a very difficult thing to accomplish. I would appreciate if someone cracked down on them. They are obviously not legitimate and are making money off of emergency situations, then making it so difficult to pay a bill that they compound the payments owed by creating a situation in which consumers have no choice but to be late on their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CO).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XX/XX/XXXX RE : Bad faith failure to provide XXXX credit card insurance coverage on claim XXXX XXXXChase and their administrator,  XXXX XXXX XXXX, have continued to delay providing clearly required and repeatedly admitted insurance coverage for damage to a car rented using our XXXX/Chase credit card. Despite our repeatedly providing the same information to XXXX/Chase through their claims administrator over the last 6 weeks they have failed to respond. This delay now imminently threatens our credit rating. 

The car we rented from XXXX XXXXl was scraped on XX/XX/XXXX. We notified XXXX on XX/XX/XXXX by phone. On XX/XX/XXXX after receiving the repair information from XXXX, we sent XXXX  the requested voluminous information to XXXX/Chases claims administrator XXXX XXXX XXXX, which we assembled, responding completely to all of XXXX/Chases inquiries. 

Since that time XXXXChase, through their administrator XXXX XXXX XXXX, has three times responded to us, asking the same questions they initially asked, each of which was completely answered in the materials we initially provided to XXXX. XXXX investigators failed to look beyond the first page of scanned documents. We did, however, respond to each new inquiry completely and promptly, providing again the repeatedly requested information. 

XXXX XXXX XXXX XXXX has now given us until XX/XX/XXXX, to make payment or they will refer the matter for collection. This is entirely XXXX fault and their delay is wholly without justification. 

We have talked to XXXX people, who say XXXX/Chase does this all the time : delaying, and then trying to save money by further negotiating down what they owe, even though there is no question what is owed. For instance, XXXX/Chase haas now submitted a proposal that does not cover the interest XXXX has added for all the delay, and that requires a release, even through they are not entitled to a release from XXXX. 

Thank you for your attention. 


XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX. XXXX mobiles

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Billing statement

Complaint: As I understand it, credit card companies are required by law to list the interest rates and balances subject to these interest rates on monthly credit card statements. I 've notified Bank of America on many occasions that my credit card statements, more often than not, DO NOT include this important information. As of my last complaint about it, BOA reached out to me and said it was a result of a system upgrade and my statements would now include that information. As of XXXX 2015 my monthly statement included the information I was expecting. It seems they corrected the problem for 2 months as XXXX 's statement to current no longer provides this information.

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 04/19/2017 about Debt collection (I do not know) with Patenaude & Felix APC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I filed a police report a few years ago when tax returns were submitted in my name by someone other than my mother. Mother requested I get a copy of my credit report as well and we discovered several unknown accounts had been established in my name.     That said, a  XXXX    XXXX    XXXX  account was placed on my credit was later removed. Now I am receiving harassing phone calls from a collection company in regards to the  XXXX    XXXX   account. The company  Law Offices of Patenaude & Felix, A.P.C . have also accessed my personal credit report and just recently sent me a collection notice requesting that I pay them {$1700.00} when a notice in the past said the account was for {$1000.00} bucks.

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. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax disclosed that a data breach it discovered on XX/XX/XXXX may have impacted as many as 143 million consumers in the United States. Equifax has access to an extraordinary amount of personal and financial data for virtually every American adult. The company says that hackers accessed names, Social Security numbers, birth dates, addresses, some driver 's license numbers, and about 209,000 credit card numbers.
All told, as much as 44 percent of the US population will feel the impact of this breach for years to come, especially when it comes to their Social Security numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Conventional fixed mortgage) with ATLANTIC PACIFIC MORTGAGE CORP (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXXAtlantic Pacific Mortgage XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, New Jersey, XXXX ( office ) ; XXXX XXXX ( fax ) Dear XXXX XXXX, XXXX : I am writing you regarding the foreclosure you filed with the XXXX XXXX Courts in XXXX, NJ XXXX on XXXX/XXXX/15, one month after I paid the total amount Due to Atlantic Pacific Mortgage and they cashed the check but fail to apply it to my account. On XXXX/XXXX/15, According to the XXXX/XXXX/15 statement, the total l amount owed was {$9600.00}. I paid off the total amount of that was owed on the loan pursuant to the statement received from Atlantic Pacific Mortgage, ( XXXX/XXXX/15 BILL PAY Atlantic Pacific ON-LINE XXXX ON XXXX XXXX ). You can verify this with XXXX by calling 800-956-XXXXSince XXXX 2015-XXXX 2015 this is the total amount paid to XXXX XXXX Mortgage ( Attached you will find an actual copy of the bank statement ). Here is the information : XXXX XXXX XXXX Page Sign Off | Home | Locations | Contact Us | Online Security GuaranteeXXXX XXXX Business Online Accessibility Information Skip Navigation to go to main content of this pageAccounts Transfers & Payments Brokerage Account Services Messages & Alerts Online Solutions Open an AccountOverview Bill Pay TransfersBill Pay Overview Payments Payeese Bills Reports Notices User Profile HelpThe time period you select may not include your entire statement history. Please refer to your account statements to view complete past transaction history. 
Report Title Generate Report Customize Reports My Spending ReportReport : Payments for ATLANTIC PACIFIC MORTGAGE CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX AN : XXXX ; Phone # : XXXX ( XXXX/XXXX/2015 - XXXX/XXXX/2015 ) Payment Sent Payee Amount Payment Account Status Categorylick on link column headers to sortPayment Sent Amount Memo/Invoice # Reference # Payment Account Status ActionXXXX/XXXX/2015 {$620.00} n/a XXXX XXXX regular checking PaidXXXX/XXXX/2015 {$620.00} Mortgage XXXX XXXX XXXX PaidXXXX/XXXX/2015 {$620.00} n/a XXXX XXXX regular checking PaidXXXX/XXXX/2015 {$620.00} XXXX XXXX XXXX regular checking PaidTotal Paid $ XXXXXXXXWhen I did n't accept the loan modification, I paid the outstanding balance based on the XXXX/XXXX/15 statement : These were sent to Atlantic Pacific Mortgage Corp ( Account Number : XXXX ) Payment Sent Sorted Descending Amount Memo/Invoice # Reference # Payment Account Status ActionXXXX/XXXX/2015 {$700.00} n/a XXXX XXXX Crown Banking PaidXXXX/XXXX/2015 {$9600.00} n/a XXXX XXXX XXXX PaidTotal Paid {$10000.00} Grand Total : $ XXXXXXXXThanks in advance for correcting the issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with Kings Credit Services (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This account got sent to collection in XXXX of XXXX. Since then it has been moved to different debt XXXX. This last time it was moved to Kings Credit Services the amount has seemed to keep raising slowly. The debt collector says I know owe them {$520.00}. When I called them they told me this debt will continue to increase until the debt was paid indefinitely. I wanted to take care of the original amount that I owed, but i feel that this is not legal that they charge me interest on a medical bill. I told them that I am filing a complaint and they said its fine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation