milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Struggling to pay mortgage

Complaint: The HAMP Loan Modification I applied for in XX/XX/XXXXis yet to be resolved by Nationstar Mortgage before they changed their name to Mr. Cooper. I disputed their claims the last time they tried to foreclose on my house. My dispute then was that Nationstar Mortgage can not stop my HAMP Loan Modification I applied for in XX/XX/XXXX just because according to them the HAMP Modification Program expired in XX/XX/XXXX. If those who applied for the program before XX/XX/XXXX and in XX/XX/XXXX before the program expired in XX/XX/XXXX are still in the program, I am still in the program as well since I applied for the HAMP Loan Modification in XX/XX/XXXX, which is yet to be resolved. Nationstar Mortgage can not unilaterally resolve my HAMP Loan Modification which I applied for in XX/XX/XXXX ; it has to be resolved bilaterally.
I was surprised today,XX/XX/XXXX when I received a sale notice from the XXXX XXXX XXXX that my house will be sold at public auction at the entrance of the XXXX County Circuit Court on XX/XX/XXXX. The letter said and I quote Enclosed please find a copy of advertisement of sale as published in XXXX XXXX XXXX -- --. But I could not find a copy of the advertisement for the sale of my house in the letter as claimed by the XXXX XXXX XXXX. Also, I have checked XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXXand I could not find any advertisement of the sale to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (WI).
Issue: Trouble during payment process

Complaint: I am trying to refinance ; I locked in a rate over a week ago.

I currently have my mortgage through Ditech. The title company requested a pay off quote from Ditech 2 weeks ago.

Nothing was received.

I called Ditech on XX/XX/18 for the payoff and they said 3-5 business days.

We have called them daily, no payoff.

In addition to the title company and new lender calling daily, I called yesterday and spoke to XXXX and explained the situation yet again, she was escalating to her supervisor and would get the document sent over yesterday. We still dont have it.

I attempted to print it online but it said a payoff is not available for my account.

My new rate is expiring.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MA).
Issue: Fraud or scam

Complaint: On Tuesday XX/XX/18 I went to my ATM to withdraw funds. It read insufficient funds. Got on my computer and pulled my bank statement and noticed that PAY PAL had debited my account for {$510.00} and {$600.00}. I DO NOT HAVE AN ACCOUNT WITH THEM. I call Pay Pal immediately to report the fraud. A representative ( XXXX ) saw the transactions and said they were indeed fraud and froze the account of the person where the money went. Originally he was to able stop 1 transaction, however both have gone through. They claim it will take 15 business day for the money be returned. I claim it was there mistake and I do not have a account with them. Attempting to contact to escalate is impossible ( XXXX ) My bank XXXX XXXX is attempting to help, however they also hit road blocks. How does Pay Pal breach my account and grab my money?

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX, XXXX, there was an inquiry request made by XXXX XXXX and was sent to the companies listed below. I contacted XXXX XXXX about the unauthorized inquiry and that it had to be removed because I did not authorize them. XXXX XXXX typed a letter stating that the inquiries were made in error and I did not fill out an application. Each letter was sent to the companies with my request to remove them and my request was not granted. Attached is a copy of the letter from XXXX XXXX. 

The following companies pulled my credit from XXXX : XXXX XXXX XXXX Bank ALLY Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto The following inquires were pulled from my XXXX : XXXX XXXX Auto Finace The following inquiries were pulled from my XXXX Credit Report XXXX XXXX Auto 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 04/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Deposits and withdrawals

Complaint: Citi Bank has garnished my commercial checking account without notification. I have contacted them on the phone and in the branch and no repose so far. The account is also joint with my wife and it has a zero balance after it had {$38000.00} in it. I am a head of a household with XXXX kids and have no funds to feed my family. I have hired a lawyer and still no response. Need urgent resolution.

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 10-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: more than 10 years ago my wife was very ill and our family experienced significant financial problems. We defaulted on our mortgage and in order to get things back in order I accepted a deal with my mortgage handling company that increased my interest to a very large amount. It was my understanding that after our finances improved, and we demonstrated that we made our payments on time our interest rate would be decreased. Unfortunately that has not happened. I have requested that they review our account but all they have done is tell me that my mortgage is eligible for refinancing. My credit is now excellent but the mortgage on my house is much more than its value and I can not get a new lower interest mortgage. I feel that if the company can increase my interest they can also lower my interest. I have been encouraged by many to " walk away '' from my home but I have been in it for 40+ years and do n't want to do that. I am more than willing to honor my mortgage but need some relief on the interest I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I found XXXX unauthorized charges of {$17.00} on my Amex card for premium car rental insurance. I called to get refund and was told that on XXXX/XXXX/15 I had " enrolled '' in the premium insurance by phone ( which I do not recall doing ). I was told I could not get refund because I had in fact rented the XXXX cars. I asked for documentation of my enrollment. The agent then went away for a few minutes, came back and said my enrollment " was a mistake '' and he would cancel the program and refund the XXXX charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have an issue with a Capital One Kohl 's account that is on my credit report. The account is reporting closed. I have disputed this account with Capital One numerous times over the past few months. Capital One has never responded to my disputes and continues to report inaccurate information to the credit bureaus. Since I started my dispute with Capital One my credit monitoring service has showed numerous updates from Capital One. I do not understand where Capital One is getting this info it is reporting to the credit bureaus. I was made to believe that for Capital One to report to the credit bureaus that they are required by law to have documents verifying that the account is 100 % accurate. 
On XXXX/XXXX/XXXX my credit monitoring showed a balance of {$440.00} on all 3 credit bureaus. 
On XXXX/XXXX/XXXX it showed a {$440.00} on XXXX, but a {$170.00} on XXXX and XXXX 
On XXXX/XXXX/XXXX it showed a {$440.00} on XXXX but a {$170.00} on XXXX and XXXX 
On XXXX/XXXX/XXXX it showed a {$170.00} on XXXX and {$200.00} on XXXX, XXXX removed. 
This is just one example of changes made to this account over the past few months. 
Capital One reporting this negative account on my credit report is having a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX my purse/wallet were stolen from my car while dropping my infant off at daycare. Once I realized I immediately called Chase & XXXX whom I bank with and had my cards frozen/cancelled/stopped. I logged in to my chase account to see if my new debit card had been mailed and what I found instead was my account empty. The perpetrator had managed to make 5 withdrawals ( totaling {$7700.00} ) from three different branches ( not online ) using withdrawal slips. My account was not frozen and had no alerts about this strange transactions. When I called Chase on the XXXX the representative was anything but helpful and said I had to go into a local branch to file a formal complaint -- which turns out was inaccurate when I arrived. I was told it could have been handled over the phone as I attempted to do in the first place. I was also told it could take up to 30 days to get my money back. I would like to know why Chase was not more on top of the strange account activity considering I file a theft claim on the XXXX. Every chase conversation I have had has n't be helpful and I would like to know why it will take so long to get my money back and why was n't my account closed when requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-10-2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been in contact with XXXX XXXX XXXX along with Equifax regarding XXXX account from the XXXX XXXX XXXX with the open date of XXXX/XXXX/XXXX and a close date of XXXX/XXXX/XXXX and the other with a opening date of XXXX/XXXX/XXXX, the first account of XXXX/XXXX/XXXX I never lived at the address and the other XXXX/XXXX/XXXX should is 8 years old and is showing current which is incorrect. I only have one current bill with XXXX XXXX and these XXXX items should be deleted off my credit file like I was advised they would be by XXXX XXXX. This is incorrect information affecting my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (I do not know) with Rash Curtis and Associates (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They are reporting XXXX accounts XXXX and XXXX I do n't not owe them a dime. I paid XXXX to original creditor XXXX XXXX XXXX XXXX XXXX paid in full. They do n't not have the right to report it to the credit bureaus as they do not own the accounts they are a third party. It 's only suppose to be XXXX account and they did duplicate accounts. I talk to XXXX XXXX XXXX paid them XXXX and verified there was only XXXX account. They are reporting inaccurate information to my credit bureaus. I do not owe them a dime I paid home shopping net in full XXXX!!

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

Complaint: XXXX XXXX located in XXXX XXXX, California sent me a bill for {$2700.00} in connection XXXX which has been deemed XXXX necessary for pregnant women over XXXX years of age XXXX XXXX ). I spent a great deal of time discussing with my insurance company to understand why it was n't covered and with my doctor 's office -- XXXX saying the invoice should not be that high. XXXX then sent my debt to Credit Collection Services in XXXX MA to be collected -- for the full amount of {$2700.00}. I called XXXX, and after explaining my insurance does n't cover it and my doctor 's office believes it should be much less, the XXXX rep said, " Oh, well, we do apply a 'client assistance discount, ' so the actual amount should be {$140.00}. '' A friend of mine was pregnant last year, and she had the same experience. Looking at the internet, people are reporting this practice everywhere -- sending an high invoice and then sending to collections quickly thereafter to try to collect the entire amount. XXXX is sending people to collections with inflated invoice numbers. I followed through enough to figure out that I should n't be paying this amount, but other consumers should be protected from this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Contacted them requesting the original signed contract for 2 accounts that are errors. 

1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX DELETE ALL INFORMATION IS INACCURATE AND THEY HAVE FAILED TO DELETE OFF REPORT FOR 4 YEARS.

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 04/21/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: we calle d Wells Fargo to  get a payoff in full amount to pay of the mortgage, paid it off on Tuesday  X/XX/17    to get a phone call from them telling us it was about   XXXX short!!!! !!!   Then we pay that and they charge a fee!!!!!!!!!! of  XXXX !   we are so glad to be done with this horrible company.

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 06-07-2015 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My service provider XXXX sold my mortgage loan to Nationstar in XXXX of 2014. I have been having issues with the way they allocate my monthly payments to my account. The applied portions of the payment to principle and interest is not being done as it was with the former provider. I have also gotten statements that show no amount due for the months of XXXX, XXXX, XXXX, XXXX and XXXX. XXXX was the only month there was an amount due shown. When I called the customer service about it, I was told they would check it out and have it corrected. I sent an e mail to their research department and got a response saying I did not make a payment in XXXX and the account was overdue. How can an account be overdue if the statement shows no amount due. I have spent several hours on the phone with their customer service and loan specialist with no satisfactory resolve to the issue. I need to know what to do to get them to correct the way they are handling my account. Please advise me on this matter and let me know what kind of documents are needed to pursue action and resole the issue. This was originally a home equity line of credit account which the provider is no longer honoring the line of credit portion. I did not authorize any changes to the original loan terms, but the new provider is not following the same procedures as the original provider when it comes to billing and accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Payday loan, title loan, or personal loan (Installment loan) with Ditech Financial LLC (FL).
Issue: Charged fees or interest you didn't expect

Complaint: My parents were attempting to purchase a manufactured home in XXXX in South Carolina. 

I received a telephone call at my place of employment at the time telling me that the finance manager from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX would be coming down to my work for me to sign paperwork, as they needed a co-signer on the retail installment loan as their credit was not good enough to qualify on their own. 

I have now discovered that the loan is solely in my name, not my parents, but I have been unable to get the loan refinanced in my parents name, or refinanced in any other way. The original loan through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX has now been bought and sold multiple times, now owned by Ditech XXXX XXXX XXXX XXXX XXXX, SD XXXX. I have contacted them multiple times via their phone # at XXXX with no success, with my most recent phone call on XXXX/XXXX/XXXX to which the representative stated " Well, I guess you are pretty much screwed. '' " We can do nothing for you. '' The home was financed for {$37000.00} with XXXX % interest rate over 360 months. My parents have been solely making the payments, and have copies of all payments made since XXXX, which I can provide upon request. I personally have made ( 0 ) payments. They have never missed a payment. I have tried to ask about a settlement from Ditech on the phone, but they told me that it would be denied, while people were laughing in the background. My parents have now paid over 3 times what the home was originally sold for, and have nothing to show for it, as they ca n't even get it financed in their own name since we can not find any lender willing to refinance a retail loan on a 20 year old manufactured home. 

I currently live in XXXX, in my own home, and this is currently taking up my available credit so I am unable to expand my own business. 

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and potentially all personal information needed for identity theft/fraud are likely to have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I just find out that one of my account was put in collection without my knowledge or notification. I received collections calls on my cell any hours of the day and want this calls to stop immediately. They trying to scare me and intimidates me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Just finished my XXXX. Had to use a credit card to get through some rough financial patches. Was unable to make payments due to lack of income and trying to live on a student budget. Found out recently that a XXXX party has filed a collection lawsuit against me without my knowledge. Apparently this XXXX party ( XXXX XXXX, XXXX ) " bought '' my credit card debt ( still not sure how that works ) and is pursuing a lawsuit against me using the lawfirm of XXXX XXXX XXXX, in spite of failing to communicating with me in good faith. I have not even received a summons or any official, legal documentation. I recently received SEVERAL letters from random attorneys, which brought this lawsuit to my attention, none of which are associated with the lawfirm that is actually pursuing this lawsuit. I do n't understand how this is legal. I recently began a new job in my chosen field in regards to my degree, so I am now in a position to begin making monthly payments. However, this group of people has robbed me of the chance to make good on my debt and are now seeking to sidestep that good faith and take me to court. It is now my understanding that this has become a common business practice. This is n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit card () with U.S. BANCORP (NJ).
Issue: Rewards

Complaint: I have an US Bank XXXX XXXX Premier Visa Signature Card. The agreement when I signed up for clearly said that get XXXX free night after paying {$75.00} FEE. The main reason I signed up for this card was the last night free benefit. However, U.S Bank & XXXX XXXX recently announced that their XXXX XXXX credit cards would be losing the last night free benefit after XX/XX/XXXX. I 'm really disappointed about this change. Is there anything that U.S Bank can do? I would like to get my annual fee refunded at least if it is possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2015 about Mortgage (Conventional fixed mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I requested assistance from my lender multiple times and they denied me for review from anything other than lump sum payments towards my delinquency. On XXXX/XXXX/2015 I sent in a complete package for a review for the Making Home Affordable Program. On XXXX/XXXX/2015 a paralegal from my attorneys office called the lender and spoke with a XXXX, at Vanderbilt, and asked for an update on the modification review. The representative stated that they reviewed me for an assistance request in XXXX and offered me to make a lump sum payment of XXXX mortgage payments towards my delinquency and because I did not accept that, that they are not required to review me again for an assistance request. When clarification was asked for not reviewing me again for assistance, the representative stated, " well unless we see a dramatic difference we wont look at it again. " Please help. I know I am eligible to be reviewed for the making home affordable program and my lender is refusing to give me a fair review.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Bank account or service (Checking account) with ASSOCIATED BANK, NATIONAL ASSOCIATION (WI).
Issue: Account opening, closing, or management

Complaint: Associated Bank locked me out of my account. I declined the XXXX page online user agreement that is a " cash back '' scheme that gives permission for all merchants to call me and solicit me on my private phone. I do not want to participate in their program. They refuse to let me have access to my account this weekend.

Company response to consumer: Closed with explanation