milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech bought my home loan from XXXX. Ditech did not pay my insurance or taxes like they were supposed to. Ditech finally paid my taxes but they are trying to slip my late fees into an HOA payment. I do not have an HOA and what they are doing is fraud. I have never missed a payment nor have I been late. They refused to take any responsibility for the late tax payment or making my homeowners insurance get cancelled.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Debt collection (Medical debt) with Fresno Credit Bureau (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: It was during XXXX and XXXX XXXX time period, when I was going through severe hardships in my business and a new born, pilling medical bills and was not able to pay on time. The company is asking me to pay some amount which I am totally not aware of. 

CREDIT BUREAU XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - {$51.00} Tried reaching out to them a few times and they are not willing to work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: on the XXXX of XX/XX/2018 i sold my bitcoin using coinbase and since them i have not been able to withdraw my funds. i have been lied to over the phone when i asked how to withdraw my money. i tried to link my account using XXXX payment where i uncured charges from my own bank account on the XXXX XXXX. i have still been unable to withdraw my funds,

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: pnc bank bought the original lone from XXXX XXXX my loan is going back to 2002 payments were made correctly every month all of a sudden I get a letter the loan is due in full I made numerous phone calls to a man by the name XXXX XXXX to whom the bank said I can only talk to him and demand to show me why the loan is due as of today I still did not get it at the end on XXXX XXXX I paid of the loan in full to add insole on injury pnc bank goes & reports on XXXX XXXX as a 60 day loan

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Taking out the loan or lease

Complaint: American honda finance is practicing to request for settlements such as the company received from me XX/XX/XXXX. Then report to the IRS I owe the remaining balance. Although the debt was charged off on credit report XX/XX/XXXX. The company would not show up in court when I filed a complaint against the XXXX Honda Dealership and American Honda. It was told there address was not listed in XXXX. So I received the run around from the time vehicle was purchased. I traded in a XXXX Toyota for a XXXX Honda XX/XX/XXXX then received a bogus contract the seller ran off for his practices where he received monetary for a transaction that I ended up having difficulty getting rid of once the company played there shady games towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The XXXX collection items on my credit ... ARE NOT MINE AND WHEN I NOTIFIED MCM OF THIS THEY REFUSED TO GIVE ME THE OPPORTUNITY MY LEGAL RIGHTS. THEY DO NOT CURRENTLY HAVE NOR HAVE THEY EVER HAD MY CORRECT ADDRESS. XXXX THE WOMAN HUNG UP ON ME.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: BAC LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX This short sale was started on XXXX XXXX, XXXX. 

The seller is DEAD - has been since XXXX XXXX, and Bank of America was provided the Death Certificate of the Seller, the Death Certificate of the XXXX Successor Trust Deed, and the Sellers Trust Docs ON XXXX XXXX, XXXX ******THESES WERE PROVIDED IMMEDIATELY UPON OPENING THIS SHORT SALE *********THE ISSUE WAS RESOLVED WITH BANK OF AMERICA AT THAT TIME ************ PLEASE SEE ATTACHED DATABASE NOTES - pages XXXX and XXXX *****************PLEASE SEE ATTACHED APPROVAL LETTER Now, however, Bank of America does not have the correct social security number in their system and they refuse to change it even though they have had a copy of the death certificate for 5 months. 

Bank of America has also taken it upon themselves to change the 'name ' of the seller t something that Title is NOT held in. There is NO SUCH THING AS ''The Estate of XXXX XXXX XXXX XXXX but bank of America refuses to speak to an authorized third party unless they say " The Estate of ... ... '' -- This can not possible be legal. 

Also - Bank of America refuses to talk to me even though I have been authorized on this file for 5 months - AND HAVE AN APPROVAL ON THIS FILE. 

Bank of America has decided for no valid reason that they will give us to cancel the short sale- This IS AFTER THEY HAD ALREADY ISSUED A SHORT SALE APPROVAL WITH US XXXX 

Bank of America has decided for no valid reason that they will give us to DELETE ALL the information we have previously provided to them - This is AFTER THEY HAD ALREADY ISSUED A SHORT SALE APPROVAL WITH US. 

THIS IS UNACCEPTABLE. No wonder Bank of America has received the most CFPB complaints since the creation of the CFPB in XXXX. XXXX does n't even have as many complaints as Bank of America, and XXXX does most of their servicing in third world countries with people that can barely speak English. 

It is pathetic that Bank of America has more complaints than a third-world servicer.

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 06/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX tax liens on my credit report that do not belong their. I owned a business with employees from XXXX called XXXX in XXXX WI. Upon the end of XX/XX/XXXX I was bought out by the new and current owner XXXX XXXX. XXXX assumed the same name and the business is still called XXXX to this day and is located at the same address. I sent everything in to close any ownership I had with this business. These XXXX liens were put against me in XX/XX/XXXX for back payment of estimated taxes. I was never made aware of this because:1. I never should have gotten them as I was not part of that business anymore2. The notices went to the business address which I was not apart of anymoreOnce I saw these on my record I took immediate action to show proof that the liens were incorrect against me. This was cleared up because it never should have existed. If it should not have existed it should also not exist on my credit report. I am seeing this on my Transunion report under docket number XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: KOHLS/CAPITAL ONE is refusing to remove old account from my credit report. This is an old debt and has reached its statue of limitations. Account was reported by Kohl 's in XXXX 2008. Kohls state that my account is no longer with them. They sent it through a XXXX party XXXX. I contacted XXXX and they say this debt is too old and they have sent it back to Kohl 's. Kohl 's denies that they have this account and refuses to inform XXXX that this account is outdated ( over 7 years ) and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (I do not know) with Account Liquidation Services Inc. (GA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: They call repeatedly, do n't leave a message. Just in the last week they have called 6 times, sometimes at 3 in the afternoon and sometimes at 10 XXXX. They also call on weekends at odd late or super early times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Closing/Cancelling account

Complaint: Consumer abusive practices by Citi AT & T Universal Card. 
Via phone call, requested Citi Bank AT & T Universal Card be cancelled. After phone call requesting cancellation of the card, received a new card, and continued to receive loan solicitations from Citi AT & T Universal Card. On XX/XX/2016, once again requested that card be cancelled. 

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 explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: i am a victim of identity theft, my personal information was use to acquired XXXX XXXX credit cards. The name appear on XXXX is not my correct name. Please investigate in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: This is a complaint agains t Ocwen Loan Servicing ; I am sure y ou get many. On the  XXXX  of  XXXX , they sent me an  XXXX  page letter regarding my escrow account. The fine print in the letter stated that they were going to increase my monthly mortgage payment by {$42.00} to cover an increase in taxes which Makes sense since my taxes have increased. My complaint concerns a statement at the bottom of each page which states : " This communication is from a debt collector attempting to collect a debt ; any information obtained will be used for that purpose. '' Enclosed in the package was a coupon for me to mail in {$1000.00} to cover the escrow difficiency. I immediately sent in the money and now realize I really owed nothing as the escrow account was cash positive and would be within Federal law ( RESPA ) with the increased mortgage payment of {$42.00}. In short, they solicited {$1000.00} from me at the same time they were notifying me of a mortgage increase.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have written to the Bureau a total of 4 times. I have stated I had no acknowledgment of this account and was asking for documentation for validation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by  not complying with what is being asked. 

They have also written that if I do n't have any more documentation that they will " no longer investigate. '' Im sorry but that is unacceptable. Not ONE account that was listed was verified, shown form of verification, not updated, or taken off my credit report. I have done everything the proper way. I have informed them if they continued to not comply I was going to use my rights and use litigation and get monetary damages under FCRA section 616 & section 617.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2015 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: My account with Conn 's is due on the XXXX of the month. I am paid bi-weekly and sometimes I am unable to pay until the XXXX-XXXX of the month. Conn 's begins calling the morning of the XXXX and charges a late fee on top of that if I do not pay exactly on the XXXX. Today they called 10 times regarding the account. Today is the XXXX, it is supposedly 3 days late! Ten times in one day. This is harrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have tried to fix a loan that I have with Bank of America for the last year, in that process they at no time did they give me the opportunity to refinance or to work with me on converting a balloon mortgage to a conventional loan until it was to full term and then they would not let me make payments due to the term was due in full. After the fact that it was late they would not let me refinance with them due to it being one payment late. So they have pushed me around for the last year to get the XXXX form sent in. I have sent 8 forms in and every time it has been something else was not filled out right or it was due to the fax being as they say unreadable. When I have faxed it from their branch and also sent in myself. I have had nothing but problems with them and they have successfully ruined my credit in the process. I am having to put the house in my wife 's name so we can refinance it and so we can get a loan from another bank because I would n't trust or finance another thing from Bank of America. At no time can you go to a branch and have someone help you because it has to go to Colorado for evaluation and they do not call you back in a timely manner, so you have make a scheduled appointment with them to get a answer. I have sent 8 forms in and no success but I can call the IRS and with in one hour I had the transcript that they needed and they will not accept it because they did n't get it from the IRS. I want to file a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: on XX/XX/XXXX at XXXX i check my credit score an notice HARD Inquiry details from Syncb/jcp there is an hard inquiry from XXXX  XXXX, XXXX that i did not consent to nor was acknowledge of being on my credit an would like this removed. I did not an never consent contract or gave permission for my credit too be ran for a XXXX XXXX XXXX XXXX XXXX Syncb/jcp XXXX, FL 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 explanation
Consumer complaint received 10-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Inquiries from XX/XX/XXXX-XX/XX/XXXX need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: There was never any money owed to XXXX.. The collection agency has false information and will not work with me to try to resolve. They reported to the credit bureau and will not try to resolve or work with me on any of my attempts. its only {$220.00}. i offered to pay the amount just to get it off my credit. But they still will not make an effort to remove their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (ID).
Issue: Deposits and withdrawals

Complaint: In XXXX we had a small house fire which was covered by XXXX insurance. We were given several checks to cover loss of property as well as damages to our home. One of the checks ( the one in question ) for XXXX was a 3 party check needing signatures by my self, my wife and the mortgage holder. I took the check to My bank ( Wells Fargo ) and gave it to them for deposit. They told my it needed the 3rd signature and that I would have to wait 10 to 15 days for that signature before the funds would be deposited. After that period the funds became available in my checking account. I assumed that all was good and proceeded to use the funds for repair and replacement. I received no other correspondence. On XXXX I went to the bank ( Wells Fargo ) to get some cash for groceries at the ATM and found I was over drawn. I looked online and found the account was over drawn by over XXXX. I proceeded to the bank lobby and talked to a personal banker who said that since the draft was still pending that they could not see what it was. I came back the next day and they showed me a copy of the XXXX XXXX Check and said it was not endorsed by the 3rd party and that this is why my account was negative by over XXXX. They then said that XXXX XXXX had sent it back for this reason. I called my agent XXXX XXXX at XXXX in XXXX Idaho and told him this. He has checked all branches and all have said this was not true and that the check and claim to this effect was closed and that in all their exsperience they had never heard of this before and that it was unprecedented. Now Wells Fargo insists that the check be mailed to me and that then I am to mail it to the mortgage company for endorsement. Then will mail it back to me to bring to the Bank. I no longer live in the house in question. As of now my account is negative over XXXX, I have no cash or access to money untill this is resolved. I will have to open an account ( at another bank ) to even cash a pay check to live on. This looks to me like a oversight on their part from 1 1/2 years ago and now durring an audit they have discovered their mistake and are holding me accountable. Mean time my wife is XXXX over this I have had to take off work because of this and to chase down a resolution that is not in the near future. I need food, heat and bills money. XXXX out to the maximum, can hardly XXXX. Right now XXXX XXXX is doing their best for me in trying to resolve on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (HI).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Dates are not exact.
 XX/XX/XXXX  : Refinanced mortgage, sent Navient @ {$15000.00}. XX/XX/XXXX : - Navient claims they did not receive it but we have copies of canceled checks - Navient says we sent checks to wrong address, will send refund.
  XXXX   : - No refund. Navient says they sent it.
 XXXX ,  XXXX  : - still not refund.
  XXXX    : Talk with customer service, they 'll check into it.
 XX/XX/XXXX : - Spoke with "  XXXX  '' promises she will take care of everything eventually.
- Checked account ... balance is {$0.00}. Must have been taken care of.
 XX/XX/XXXX : My account is past due. Balance @ {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The Credit Reporting company continues to refuse to correct my credit report by ignoring the specifics of my complaint. The have not, even after reinvestigation, deleted the negative report of 90 days late payment. They keep referring to XXXX different accounts numbers and do not address the 90 days late payment, that appears on account # XXXX Department of Education/XXXX. Even after conclusive evidence from documentation send to them. That account was Pay in Full on XX/XX/2015. My credit report shows the same account 90 days late payment on XX/XX/2015. Their own credit report shows that specific account " OK '' on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX while on XX/XX/XXXX appears 90 days late. How could that be possible? Other Credit reporting Company have make the right correction. Equifax ignores it or flat out refuses to do so. They have not shown any proof of an investigation or how they arrive at that conclusion. In direct violation of U.S. Code 1681i - 611 ( a ) ( 1 ) ( A ) ; ( 4 ) ( 5 ) ( A ) ; ( 6 ) ( A ), ( B ) ( i ) ( ii ) ( iii ) ( iv ) ( v ) ; ( 7 ), ( 8 ) ( A ) ( B ) ( C ) ; ( 8 ) ( b ) ( c ) ( d )

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit card () with U.S. BANCORP (IN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This is a follow up to my earlier complaint I filed back on XX/XX/2017 Case number ( XXXX ) I was told on XX/XX/XXXX by XXXX that my coordinator could resubmit this application for a Government CC and XXXX would go ahead and process it. My coordinator followed the normal steps and sent everything to the Attention of XXXX and left a few voicemails as well but no calls were returned. Then on XX/XX/2017, she was given notice again that my request is denied due to me already having an opened account. I was also told by XXXX, that a XXXX would have to fix the old card issue as it is considered identity theft and he works on that issue. I called XXXX twice but no call has been returned. 
I am so frustrated by the misinformation and XXXX I am having to go through for something that happened over 24 years ago by some company I have never heard of. Ive read that US bank was ordered to pay millions to consumers for bad dealings by your agency, ( CFPB ), yet I ca n't get them to release my name and SSN from a false account from over 245 years ago. Where is my justice and how do I get this matter resolved? 
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 non-monetary relief