milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2016 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I obtained a Modification Approval from my Mortgage Company, PennyMac Mortgage which was supposed to give me a 2 month payment hiatus and a reduced mortgage payment. 
I was told this Modification would be reported to the Credit Bureaus as my making partial payments. This never happened. Instead, my original mortgage payments were reported as very delinquent over the course of the Modification. The XXXX page Modification Approval I received advised me on the first page that I was only to make my new modified payments during the Modification. The XXXX page, which I did not look at until recently, told me that I in fact, I had to make my regular payments as well as my modified payments to avoid Delinquency Reporting during the Modification period. This entire transaction was misrepresented to me at the beginning and during the Modification period.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Settlement process and costs

Complaint: The company has engaged in obvious fraud, it has refused to release the title on a property that has been paid off. Persons that have purchased the property are unable to complete the purchase and move in.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: On XXXX XXXX XXXX My mother XXXX XXXX XXXX and Grandmother XXXX XXXX decided to invest in XXXX through a company called Coinbase. The money transfer happened on XXXX XXXX XXXX at XXXX am from a XXXX XXXX Account ending in XXXX for the purchase of XXXX XXXX XXXX XXXX XXXX. 

In XXXX of XXXX my mother XXXX XXXX XXXX passed away. I became the Estate 's Executor, trustee and personal representative. Since my Grandmother can not use a computer, she is XXXX years old, She asked me to liquidate the assets held by Coinbase. This should have been a non issue since I have the account login and passcode however Coinbase upped their security and I can not access the account.
I first emailed Coinbase support sometime in XXXX XXXX however it took so long for a response that when they did respond I could not respond back due to working 7 days a week at my employment. 

I emailed them on XXXX XXXX XXXX at XXXX XXXX and explained the issue. 

It took forever to get a response and the back and forth started and basically canned responses with no real help. I told them my intention was to liquidate the assets. We have obtained a Power of Attorney so I can represent my Grandmother in this matter and they have had those documents for over three weeks with zero response. It has gone on for so long I doubt this is actually a legitimate company. Since their support is so non supportive and their dispute resolution team has been non responsive after over coming all their objections I have no choice but to file a complaint.
I have 28 full 8.5 x 11 pages of emails printed of my communication with Coinbase. Its been now more than 7 months and still there is no resolution in sight for these assets that my grandmother would like liquidated. There should be no reason for Coinbase to deny me access to the account since we have obtained a legal power of attorney from my grandmother appointing me her representative. 

I firmly believe that it should not take 7 months to get a resolution and that this company has defrauded my Grandmother.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: Its been over 7 days and I still dont have access to my money or direct deposit which posted on Thursday XX/XX/XXXX. No customer service and no expected time when or if I will get my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I received a deletion letter from a creditor to remove an account from my credit file and inform Transunion about the information. Transunion told me if i can fax them the deletion letter they will remove the account from credit file within XXXX business days. Therefore, I fax Transuinion the deletion letter but Transunion told me they are not going to accept the deletion letter. I asked Transunion to send me a letter in writing why they are not accepting the deletion but they are refusing to send me any correspondence in writing and also refuse to delete the account as per request by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a collection/charge-off listed on my credit report of {$40.00} to Pinnacle Credit Service, LLC. I 'm not disputing that I owe the money, but I ca n't get any information from XXXX on what the debt is for or even how to pay it. I have emailed and left voicemail with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC).
Issue: Trouble during payment process

Complaint: XXXX   XXXX   DID NOT GIVE PROPER FORECLOSURE NOTICE, WO N'T TELL US WHY OUR ACCT BALANCE INCREASED {$37000.00} ONCE THEY PURCHASED OUR LOAN FROM   XXXX   XXXX    XXXX  ; THEY DENIED LOAN MODIFICATIONS BASED ON INCOME THAT THEY ENTER FOR US ( WOULD N'T LET US DISPUTE THE INACCURATE INCOME THAT THEY SUBMITTED )  XX/XX/XXXX   XXXX   XXXX   XXXX  sold our loan to   XXXX   XXXX  .   XX/XX/XXXX    XXXX  n ot   XXXX   XXXX   sen t statement of debt pursuant to NC GS 45-21.16 ( c ) ( 5a  ).  XX/XX/XXXX   XXXX  served us foreclosure paperwork w/   XXXX    as Note Holder.  XX/XX/XXXX  :  XXXX  canceled the f/c hearing.  XX/XX/XXXX  :   XXXX   XXXX   served us : Rescheduled Hearing Noti ce w/ New Cr editor in section 10 as   XXXX   XXXX   . To this d ay   XXXX   XXXX   has  not sent us a statement of debt pursuant to NCG S 45-21.16 (   c ) ( 5a ). They also will not tell us why the 1st monthly statement they sent us reflects amt due of {$120000.00 } (   XX/XX/XXXX  ) while the last statement that  XXXX  sent us reflects amt due of {$84000.0 0} (  {$37000.00} difference w/ in 30 day time pd ). They also denied loan modifications due to inaccurate income that THEY reported in error. We tried on several occasions to let them know it was wrong and tried to give them the accurate income info. They would NOT call or email us ba ck.    XXXX   XXXX   bought our loan as of  XX/XX/XXXX . Per the Prom Note, #  XXXX , they are obligated to keep all promises made in the Note. We modified our loan  XX/XX/XXXX . Per the  DOT, para.  XXXX , we have the right to Reinstate.  XX/XX/XXXX  we received reinstate calc. good thru   XX/XX/XXXX . W e pd in full reinstate amt {$32000.00} on  XXXX .  XXXX  we recd Nonpymt notice on  XX/XX/XXXX  we  were served foreclosure on  XX/XX/XXXX  bank Vol Dismiss  XX/XX/XXXX  served f/c  XX/XX/XXXX  bank Vol Dismiss  XX/XX/XXXX  served f/c  XX/XX/XXXX  bank Vol Dismiss. We have been unable to   make our monthly pymts because the bank continues to keep us in foreclosure.   XXXX   XXXX   bought our loan from  XXXX   XXXX   XXXX  knowing that it was in litigation & that we have been disputing this erroneous foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (MO).
Issue: Loan modification,collection,foreclosure

Complaint: We began application for the " Making Home Affordable Act '' almost 5 months ago with our mortgage company RSC. I am the highest income earner in our home had a major accident and XXXX surgeries. This has prevented me from working and it has prevented us from being able to pay our mortgage due to the loss of income and now paying many new bills related to the surgeries. 
In XXXX 2015, our mortgage company confirmed by phone they had received a complete packet and a copy of the packet was also submitted to our PMI insurance company. 

We waited appx. 30 days and still had no answer as to what the mortgage company recommended and if we qualify for any programs under the MHA in XXXX. In addition, we received two letters, one letter states we did n't submit all documentation and that we had called and cancelled the application. If that has n't made matters worse, we have now received collection letters stating they will be moving forward on a foreclosure. I have made multiple calls to RSC in the past 3-4 weeks and everytime I speak to them they just say we do n't need to submit anything further and our application is in review. 
Today, I received a Certified Letter from their attorney now claiming further action on our account if unpaid and foreclosure proceedings are definitely moving forward. Our PMI insurance company has even spoken to them and they keep adding new documentation requests that are completely outside of the RMA application requirements. We feel that the mortgage company is doing this to delay our application, they are lying to us when we call on the status of the application and that they never even gave us consideration for the program that we more than qualify for to save our home of 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: i went to the XXXX for my XXXX but the insurance paid a portion of the billthe remain the bill i do not know until i receive the phone from collector and they charge interest but this XXXX not my faultthey sent to progressive management systems collector can you tell me what can i do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CT).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Please look at complaint XXXX originally submitted in XXXX. I just received an email from CFPB that Navient responded and the case is closed. Please read my feedback. Nothing has been accomplished. Navient is not honest in its dealings and CFPB just seems to go with it no questions asked. They are saying my sister never called them, and she has on several occasions and left messages as the phone number they provided just records messages. No one ever calls her back.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: All my answer are None of the above but i can no see my credit report. I did n't live at XXXX ... never in XXXX The security of your information is our priority and it is of utmost importance. Please help us confirm your identity by providing answers to some questions below. 
1. Your credit file indicates you may have a retail card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX NONE OF THE ABOVE 2. Your credit file indicates you may have a bank card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX NONE OF THE ABOVE 3. Your credit file indicates you may have an auto loan/lease, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX NONE OF THE ABOVE 4. What is the total monthly payment for the above-referenced account? 
{$600.00} - {$640.00} {$650.00} - {$690.00} {$700.00} - {$740.00} {$750.00} - {$790.00} NONE OF THE ABOVE

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 04/14/2015 about Payday loan () with Bryant Bryant & Associates LLC (NY).
Issue: Charged fees or interest I didn't expect

Complaint: I want the creditor Bryant & Bryant to stop contacting me. They are threatening me on the phone and very rude.

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 Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I am being charged about {$12.00} per month because my bank account balance is quite low. That wealthier customers do n't have to pay this fee is a clear example of price discrimination. Such discrimination has no other purpose than to extort money from those who do n't have the ability to fight it.

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 12/29/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MS).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: They been sending me letters and calling from unknown numbers on my house phone and my cell phone and I do n't have the money to send them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received over XXXX calls from Credit Protection Association L.P ( CPA ). I have spoken with them several of times telling them that my debt was through XXXX and that it was paid off to XXXX. I have been given an array of different information from CPA representatives ranging from my account name is under a " XXXX '' ( I am not XXXX, nor do I know a XXXX ), the account is over a year old ( but I never received a notice ), the account can not be found under my phone number ( but they still keep calling ), and the account wont be deleted until the balance is paid. I was instructed by XXXX to deal strictly with XXXX. I have done so and cleared my balance but I still keep receiving phone calls. I need the harassment to stop. Please help. 
Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2015 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Violation of the Truth in Lending Act/Regulation Z ( payment posting, use of suspense account, payoff statement, trustee payments XXXX Payments were made by myself and the trustee ( under a chapter XXXX filing XXXX the mortgage holder placed the trustee payments in a suspense account and did not apply them to the mortgage. In addition, when I asked for a payoff they provided a payoff which implies that the loan was due for XXXX 2015, however they received the XXXX 2015 payment, and I have a XXXX year bank history showing all payments were made, when I questioned them about were they were getting this information that the loan was due for XXXX they simply said I made a short payment ( which I did not do ) and until I paid an additional XXXX ( to make the suspended amount a full payment they would not credit the money to the account ). The money in the suspense account was not a short payment by me but instead payments from the trustee. The trustee filed a notice of plan completion and a notice of final cure ( for any default on the mortgage XXXX The bank responded through the court that they had no objection and that the account was due for XXXX 2015. Chase is not crediting the money received by the trustee to the account, there is conflicting information given to me verses the information given to the trustee. When I asked for a payment history they advise they have XXXX days to provide it to my attorney, they will not give me any documents/specific information regarding my loan. When I attempted to re-finance the loan, Chase took XXXX days to provide a payoff, and when asked for a payment history, advises they will respond within 30 days. These timeframes are unacceptable, and now I may loose my financing as the interest rate lock expired and I 've had to extend it and it expires XX/XX/XXXX2015.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I purchased our home on XXXX XXXX, XXXX in which we took out a 30 year fixed conventional mortgage. At the time of purchase we had a down payment of less than 20 %, so we had agreed to purchase the Private Mortgage Insurance ( PMI ). Since that time we have made continuous timely loan payments. At the beginning of XXXX XXXX we requested from Chase bank, our current lender that we would like to have our PMI removed off our loan since we received an " Annual Disclosure Notice to Mortgagor '' from Chase that it would be possible to remove the PMI since, we estimated our property value to have improved significantly to exceed the 80 % LTV requirements. We contacted Chase by telephone and they sent us a notice instructing us to submit a non-refundable {$450.00} payment to have the property appraised. Once we submitted the {$450.00}, Chase sent out an appraiser to evaluate the property in which the appraiser concluded that our property value has increase and has improved our LTV to 77.25 %. After the appraiser submitted their findings of the increase home value Chase refused to remove the PMI stating that we need to reach 75.00 % LTV instead of the 80 %. Please help us to enforce the rules of the Homeowners Protection Act of XXXX aiding my wife and me with canceling the PMI upon request of the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: I have a checking and savings account with Wells Fargo as well as a credit card through them ( which I did not ask for, but that 's a separate complaint ). I get paid on Fridays and over the weekend I made several purchases which posted as they were meant to on Monday. On Monday evening I logged into my online banking to check my account before sending {$20.00} to my credit card and then making a purchase with money I sent from my savings account. This morning I saw that my purchase had been shipped and so I logged in to my Wells Fargo online banking only to find an overdraft of {$35.00} on my account ostensibly for the {$20.00} I had sent to my credit card the night before. I have attached a screenshot of my online banking taken around XXXX on XXXX/XXXX/16. 
When I called Wells Fargo to ask them to explain why they had allowed a payment from that account ( I have it set to decline any charge which would cause an overdraft, something which they have repeatedly abused ) if there was n't the {$20.00} in that account, they said that after that charge, which on the online system is listed as the cause for that overdraft fee ( not the other purchase I made, which posted on Tuesday ), I had {$13.00} left in that account but they were not authorized to refund me the overdraft fee, even though it was clearly and obviously fradulent. 
Now, because I have a {$35.00} overdraft fee I ca n't cover the purchase that went through Tuesday, and will have to get another {$35.00} fee on that purchase. I 'm going to try to go into my local branch but you 'd think that a ), they would n't have let the payment to my credit card go through if that money was n't in the account ( which there was ), and b ), would either have been able to refund me the {$35.00} overdraft fee so that I could pay for the new charge, or at the very least, c ), would cancel the new charge so that I could resolve the problem without incurring a second overdraft charge. This is RIDICULOUS, and it happens with Wells Fargo all the time. 
In addition to this latest outrage, I have caught them several times re-enrolling me in the system that allows overdrafts to happen, a system which is legally supposed to be opt-in, not opt-out. I 'm about to move on to a credit union, but I 'm on a budget and I simply ca n't afford another spurious overdraft fee. Thanks for any assistance you can provide.

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 12/26/2017 about Debt collection (I do not know) with First Federal Credit Control (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed this collection account with the credit bureau 's and it remains on my credit. Upon investigation of my own, I have found out that they are n't even licensed to collect debt for Florida.

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