milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2015 about Credit card () with IBERIABANK (SC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In early XXXX, I was contacted by the Risk Management Department of Iberia Bank informing me that my credit card had been compromised. I immediately cancelled the card and a new one was issued to me. I am fairly certain that the card was compromised at the XXXX XXXX in XXXX, XXXX since I place an order for XXXX copies of the paper and incurred a $ XXXX charge. I started to receive merchandise at my home and I contacted the XXXX County Sheriif 's Department and filed a report. The officer told me to keep the '' stuff '' and catalog the products. Several weeks later, I received an affidavit from the Risk group of XXXX and I noted that XXXX of the products I received. The bank had given me credit for all the charges, however, when I received my next statement, the XXXX items were charged to me. I made numerous calls to the XXXX and also to XXXX and spoke with a XXXX XXXX. She then escalated the problem to a person by the name of XXXX in the XXXX. After being offended by her screaming at me over the phone, I asked her what I should do. She told me to return the products to the vendors which I did. On XXXX XXXX, I faxed to her the XXXX receipts and she acknowledged on XXXX XXXX that she received the fax. She then informed that she sent it to " upper management '' for review and that she would call me on Saturday, XXXX XXXX with an update. She never called! I called her on Monday, XXXX XXXX and asked why she did n't call to which she had no answer. I then told her that I was recording the conversation. She was very pleasant on the call! However, she said once more that " upper management '' did nothing with the information and said maybe they were on vacation. She declined to give me a name or phone number for " upper management. '' I sense a great deal of APATHY within her and the department. On XXXX XXXX I spoke to a XXXX in that department and she provided me with a phone number of XXXX to contact. The number was bogus ... .some company trying to sell stuff ... .I felt that they were playing with me ... .and they were. Today, XXXX XXXX I filed a complaint with the BBB. Also, XXXX XXXX of the Sheriff 's department has not spoken with any of the vendors to get the IP address. I feel I had no choice but to escalate this to the Consumer Protection Agency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-06-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (VA).
Issue: Trouble during payment process

Complaint: Ditech, the company who services my mortgage loan violated my XXXX XXXX XXXX  rights, as well as fraudulently added an escrow to my account in XXXX. 

At approximately XXXX XXXX, XXXX, I called Ditech to return a voicemail message. At that time, I found out that Ditech had added an escrow to my loan account, with no prior notification to me, in the amount of over {$19000.00}. In addition, Ditech violated my right as a XXXX member, as I have had XXXX waivers on file, beginning with Tax Year XXXX, with the XXXX County Tax Appraiser 's Office in Texas. I have had the mortgage loan since XXXX, and have made standard payments of {$880.00}. My payments have always been paid on time and in full. In addition, my property taxes were paid separately since loan origination. 

I have discussed the situation multiple times with various customer service representatives at DiTech. They acknowledged receiving the fax on XXXX XXXX, XXXX and keep it on file. At one time, a representative stated the taxes had been reported as delinquent. When I called the XXXX County Tax office, they stated no such report was made. In addition, the XXXX County Tax office called the XXXX County Appraiser 's office to ask the same question, while I was on hold on the other phone line, and verified that the Appraiser 's office also did not report the taxes as delinquent. During a follow-on phone call with Ditech, a representative apologized for the error and stated that the loan would be adjusted. During another phone call, a representative stated that once they receive a refund from the XXXX County Tax office, they would adjust the loan. 

When I called Ditech on approximately XXXX XXXX, XXXX, to request any form of documentation proof that taxes were reported as delinquent, the representative stated there was no hard copy and that it " may '' have been an electronic notification to them. In the same conversation, the representative stated they had received a " Redemption Report '' and had indeed been informed of a XXXX waiver. 
Ditech currently has a payment balance for the month listed on my monthly statement of {$6200.00}. In addition, my payments of {$880.00} have not been reflected in the monthly statements. They have also created a lien on my house. They amount on my credit report also reflects an erroneous balance, due to Ditech 's infringement on my XXXX waiver rights. 

Since the time of my notification, they have mailed out letters on refinancing and foreclosure and have failed to address the real issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax refuses to update my credit report for XXXX XXXX and XXXX XXXX. They have updated the status to charged off but are still showing a past due balance even though they are charged off accounts written off as a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Student loan (Non-federal student loan) with Como Law Firm P.A. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Attended 1 year of college at XXXX University in XXXX XXXX, MN. Was unable to pay for the loans after leaving. I am now in a position to pay the loan but the law firm handling my debt wo n't return my calls to work something out. I have been garnished and leveed without receiving a summons to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit reporting () with EQUIFAX, INC. ().
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am XXXX and cant get student finance because when i was XXXX credit was obtained in my name and at the family address dont know who by or who to ask and now i dont know what to do to help remove these.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/16, I received an e-mail indicating a potentially fraudulent charge to my Citi credit card. I called on XXXX/XXXX/16 to tell them the charge was fraudulent. In addition, there was another fraudulent charge. They stated that they would need to close this card and issue a new XXXX. I am traveling and need this card to charge expenses. I asked them to overnight a new card to the hotel I would be staying at and that I needed to charge an airline ticket for work. They put me on hold for 30 minutes to get a Supervisor. If they are this under staffed in the fraud department maybe the CFPB should examine their procedures and response times. Is fraud something the people should put with and the government and banks are above the law? These banks, credit card companies and the government is nothing but a crime syndicate.

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 10-02-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America provided me with a printout of fees assessed to my home loan mortgage account dated XXXX XXXX, XXXX. Included in this accounting are fees totaling {$360.00} for Property Inspections, {$27.00} in fees for photos, {$70.00} in fees for yard maintenance, {$400.00} in fees as Litigation Management charge, and {$420.00} in Trustee Attorney fees. 
The maximum charge that may be assessed by Bank of America for Trustee Attorney fee is {$420.00} not {$420.00}. Bank of America overcharged me by assessing my home loan mortgage account by {$2.00}. The overcharge is to be credited to my home loan mortgage account. Additionally, Bank of America has erroneously started the foreclosure process and caused the recording of a Notice of Default. Therefore, there is no justification for any Trustee Attorney fees and the fee is to be reversed. 
The yard maintenance fee should not have been assessed to my home loan mortgage account in XXXX XXXX as I was home and no one announced themselves at my front door to gain my permission to be on my property, let alone maintain my yard. Just to be clear, NO YARD MAINTENANCE WAS PERFORMED BY ANYONE OTHER THAN MYSELF IN THE MONTH OF XXXX XXXX. I know this because that is the month and year I did sustain property damaged at the cause of a neighbor and I will never forget the incident or events occurring around this time related to my property. The Yard Maintenance Service fee should not have been assessed and is to be reversed. 
If Bank of America caused photos to be taken of my property as represented within the fees assessed to and associated with my home loan mortgage account, Bank of America must justify the charge. Otherwise, the photo fees should not have been assessed and are to be reversed. Additionally, please provide copies of all photos for which fees have been assessed my home loan mortgage account regardless of any reversal of the fees assessed. 
It is unclear what services are related to the {$400.00} charge described as Litigation Management Fee. Bank of America must justify the fee or reverse the charges. 
Bank of America has been assessing Property Inspection Fees to my home loan mortgage account since XXXX without justification or cause. The only reason Property Inspections fees are assessed to a home loan mortgage account is due to a necessary evaluation of the property. Bank of America has proclaimed I am not pending in the modification or loss mitigation processes and that Bank of America is not dual tracking by having removed me from the modification process in error and stating the foreclosure process, which would be the only other justifiable reason for any property inspections. Bank of America must justify the Property Inspections and the Property Inspection Fees or reverse the charges assessed to my home loan mortgage account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: 1 ) Chase did not send me the actual signed modification agreement in the package. 
2 ) Chase did not properly apply payments to any of my principal balance. 
3 ) Chase has MANY questionable charges that I would like to have explained and properly credited to my account. 
4 ) Chase did not credit $ XXXX/month for HAMP incentive and {$5000.00} principal incintive on the anniversary of the 6th year.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An account is listed under XXXX. I have attempted to dispute this debt, and no steps were taken on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted TransUnion on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX concerning the Bankruptcy that is inaccurate and reporting on my TransUnion Credit Report under XXXX XXXX. I requested that it be removed from my account, after l contacted the XXXX XXXX XXXX Wisconsin United States Bankruptcy XXXX, who informed me that they did not verify or validate to TransUnion and they do not report to credit agencies. TransUnion still has not removed the Bankruptcy. I want it removed immediately.

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 07-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AZ).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citigold checking account in XXXX 2015. Included in this checking account was a sign-up offer for XXXX XXXX XXXX miles. I met all of the requirements for this offer within the required time period, and had this confirmed with a CSR. I was told that the miles would be given to me in XXXX. I contacted Citi multiple times due to the fact that the miles were never given to me. Every time, I was told an investigation would be opened and that I would be contacted within 2-3 business days. Every time, I was never contacted and the miles still have not been deposited.

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 01-03-2017 about Bank account or service (Checking account) with APPLE FINANCIAL HOLDINGS, INC. (NY).
Issue: Using a debit or ATM card

Complaint: To Whom It May Concern, I would like to call your attention that when I was reviewing my statement I realized that I was charged {$2.00} 12 separate times. I went to Apple Bank and to find out why I was charged and the Apple Bank accountant there explained to me that every time I use my debit card I will get charged {$2.00}. She also told me that I have to tell any store where I 'm using my debit card that it 's a credit card and sign immediately without putting in my PIN number so I can avoid the {$2.00} charge. Although, on my debit card it says DEBIT on the bottom and I was never informed about this {$2.00} fee when I opened my account. My family members all carry debit cards and they use it without any fees or charges. I want to know what the rules and regulations are when it comes to using my debit card and any fee that comes along with using it. I am being ripped off by this bank. 
My name is XXXX XXXX XXXX and the Apple Bank branch is on XXXX XXXX XXXX, XXXX, NY XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (AR).
Issue: Problem adding money

Complaint: I wired XXXX to coinbase on XXXX/XXXX/18 so I could purchase coins and trade, but it 's been 3 weeks as of tomorrow with nothing. The website said the money would be credited same day or next day, but I 'm going on around 20 days now with nothing. I 've submitted multiple tickets in hopes that I could get a response, but nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Making/receiving payments, sending money

Complaint: I use Bank of America billpay to send money to individuals. When the individual tries to cash the check at any Bbank of America branch, Bank of America responds that they do n't have to honor it because it 's not drawn on Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX contacted Wells Fargo Bank by phone to transfer funds from my checking account into a savings account. I was told that I could do this by phone and was transferred to an employee named XXXX in Minnesota. He read multiple disclosures and then set up the savings account. I asked the agent to link the new savings account to my existing debit card. The agent said he could but that he would have to send a new card with a chip. He confirmed that the new card would have the same number as the old card and that my card would remain active until I activated the new one. The card would be sent via mail. 
After a day of shopping and using my current debit card on XXXX XXXX I attempted to use my debit card at am ATM only to be declined. I called Wells Fargo Bank only to be further humiliated when I found out that I could no longer use my old debit card and have no access to any of my funds via my debit card until I receive the new one in the mail. Per my email from Wells Fargo the card was mailed XXXX XXXX and I should receive it in 5-7 business days. Until that time I have no access to any of my funds. Because of Wells Fargo 's inconvenient business hours, I can not utilize branches and rely on debit purchases and ATMS for cash. 

Here 's where I am now. I have no way to purchase groceries, no way to purchase gasoline for my car to go to work and {$4.00} in cash. Wells Fargo is holding my money hostage. I believe they have damaged me and that I deserve compensation. I would appreciate your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: This is reference to the letter from Wells Fargo Home Mortgage. letter dated XX/XX/XXXX the following : 1. Improper foreclosure notice I never received a foreclosure notification for XX/XX/XXXX to XX/XX/XXXX. The foreclosure laws was not adhere to. 

On XX/XX/XXXX, a XXXX XXXX XXXX XXXX, XXXX as nominee for loan link financial services instrument no. XXXX was filed. I received several letters and was able to get the home out of foreclosure. However, from XX/XX/XXXX to XX/XX/XXXX when XXXX XXXX, XXXX, CA XXXX Loan # XXXX. 

Therefore, you did not answer the question of what was I notified that the house was in foreclosure. 

Moreover, on your letter dated XX/XX/XXXX you stated that in the Foreclosure action, " ... account should not have been referred to foreclosure at that time due to the payment posting issues and the bankruptcy which was filed on XX/XX/XXXX. Had the payments been posted as you requested, and had there not been a bankruptcy filing the account MAY have EVENTUALLY gone into foreclosure at a letter date. 

You were in direct violation of the United States Bankruptcy Code. In addition, you committed forgery by crossing off my father 's account number for payments and placing my mortgage account number instead. Thus, instituting a Forced Foreclosure. 

2. Payments applied to incorrect property : Wells Fargo Bank responded is an out right lie and fabrication, because from XX/XX/XXXX and XX/XX/XXXX, mortgage payments were being paid with bill pay via XXXX XXXX XXXX XXXX. This problem did not exist. 

3. Fraudulently Changed account numbers I contend that you were orchestrated a Force Foreclosure without notifying me. Moreover, Wells Fargo commented fraud by changing the account numbers on my mortgage payments. 

All documents have been scan into my last complaint for your reference.

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 07-12-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: This is a follow up to a prior complaint which was submitted XX/XX/XXXX ( Case Number XXXX. ) Ocwen made a loan modification agreement with the homeowner in XX/XX/XXXX which it then breached. The homeowner paid on that XX/XX/XXXX loan modification and was current for five years until Ocwen suddenly and unjustifiably refused to accept payments. Throughout that time Ocwen refused to acknowledge the XX/XX/XXXX modification. Ocwen did not properly adjust the account but instead continued to send incorrect statements and delinquency notices. In XX/XX/XXXX Ocwen commenced a foreclosure action based on the original note, even though that note had been superseded by the XX/XX/XXXX loan modification. <P/>A copy of the prior complaint is attached. Ocwen subsequently sent a response, but did not in fact address the issue. Ocwen 's response, exclusive of their exhibits, is attached. We now submit a response to Ocwen 's response and request that further investigation be conducted by Ocwen and the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
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 disputed a charge that was incurred in XX/XX/XXXX by a hotel in XXXX. The hotel charged 100 % of their fee for not showing up. My email confirmation of the reservation stated that I was only responsible for 50 % of the charge. I called Bank of America credit card dispute department and they promised to look into it. On my next credit card statement I received a credit for the overcharge. I thought that was the end of it. I then received a letter from Bank of America dated XX/XX/XXXX requesting more information about this particular charge. However, that letter dated XX/XX/XXXX arrived in my mail on XX/XX/XXXX with a response deadline of XX/XX/XXXX. I sent in the information they requested the following day : XX/XX/XXXX. Obviously they did not receive the response by their deadline which was due to no fault of my own giving the date I received the request for more information. Because they did not receive the response by their deadline, they refuse to arbitrate on my behalf.

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