milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX a judgment was filed against me in the amount of 3700+. In XX/XX/XXXX, I received a notice from XXXX XXXX that the amount from court order was for 4000+. I had called Midland and they said it was for the XXXX amount rather than the amount that was on the court order for 3700+. I had also informed them that due to only having social security benefits as income I could pay $ XXXX/mo in the form of a money order. They refused saying it had to be by check. On XX/XX/XXXX I received a notice from my son 's bank that they had frozen his checking account due to a citation to discover assets and that there was a court date on XX/XX/XXXX. When I checked the court docket in XXXX county, it appears that there were notices and motions filed in XXXX that I was never made aware of. I believe that XXXX XXXX for XXXX XXXX has broken a couple of federal laws in the federal debt collection practices by 1. going after my son 's checking account which only had his payroll directly deposited and 2. by falsifying  the dollar amount on the citation to discover assets as it did not match the court order.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (NY).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom it may concern, My name is XXXX XXXX and I am contacting you regarding an issue that I have been having with PHH Mortgage Corporation. My loan number is XXXX. I have recently recieved a forclosure summons from PHH Mortgage Corporation. I have been making my payments, however, PHH Mortgage Corporation is claiming that I have been in default of my mortgage since XX/XX/XXXX. PHH has been rejecting my payments since XX/XX/XXXX for no explanation and without my knowledge. I am attaching a link that contains a record of my bank statements from XX/XX/XXXX to the present date, supporting the fact that I have indeed been making my mortgage payments. Also, PHH Mortgage Corporation is claiming that I owe {$24000.00}, however they only refunded a total of {$15000.00} to me. 


XXXX My payment history according to my bank statements is as follows : XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX for payment due for XXXX XXXX XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX for the months of XXXX XXXX, and XXXX XXXX XXXX XXXX, XXXX I paid {$6100.00} for the months of XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX {$6100.00} was refunded to me without my knowledge. In XXXX, XXXX my monthly mortgage payment decreased to {$3000.00}. 



XXXX XXXX, XXXX I paid {$6100.00} for the months of XXXX XXXX, an XXXX XXXX XXXX XXXX, XXXX {$6100.00} was refunded to me again without my knowledge. 



XXXX XXXX, XXXX I paid {$3000.00} XXXX XXXX, XXXX {$3000.00} was refunded to me again without my knowledge. 



On XXXX XXXX, XXXX I was served a forclosure summons. According to my records I have been falsely placed into forclosure of my home by PHH Mortgage Corporation. In conclusion, I would kindly appreciate an investigation to be done so that this matter can be concluded in a timely manner. Thank you for your time and consideration. 





Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (DC).
Issue: Settlement process and costs

Complaint: We received pre-approval for a mortgage from CitiBank in XXXX. During the pre-approval process, they were very responsive. However, once we had a ratified contract for a house, our loan officer because very slow to respond to questions. We asked for specific details on the timeline but our questions were frequently ignored. We communicated early that they would need to coordinate with our second trust lender, but they failed to do so. In the week leading up to our originally scheduled settlement ( XXXX XXXX ), we could not get anyone on the phone or to answer our emails to coordinate the final part of the process. Finally, I called the Citibank national helpline and got connected via email to the manager or our loan officer. The manager was similarly unresponsive after an initial email and we ended up missing our settlement date. We had arranged settlement for this Friday before XXXX XXXX weekend so we would have time to move into our new house. We had family coming in from out of town to help and movers scheduled to arrive. We failed to even get anyone on the phone to explain to us what was happening. Finally, the following Tuesday night ( XXXX ), our realtor was able to find out from the loan officer 's manager that our loan officer had quit the day before our scheduled settlement. When we still could n't get this manager on the phone, I had to call the Citibank national hotline again. Eventually, they connected me to the regional manager who finally told me our loan settlement would be delayed until at least Friday, XXXX XXXX. We rescheduled our movers again, but Citibank again could not close. At that point, we were already required to be out of our apartment. We finally closed on XXXX XXXX, but at that point, my wife and I had to take 3 days off work trying to coordinate the constantly shifting timeline and move and we had to remain in our apartment past the day we were allowed to. We ended up having to move everything with only one person to help because the timeline shifted from a weekend to a weekday. Throughout this process, Citibank was dismissive, unresponsive, and only got back to us after we called their national helplines or escalated to supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received an email supposedly from ACE SETTLEMENT DEPARTMENT, threatening to sue me for over {$4500.00} unless i paid a settlement of {$270.00}. Also threatened to press charges and send me to jail for 3 years and seize all of my bank accounts and assets if I do n't reply and pay. They had my correct SSN # and place of employment. I was told to reply to XXXXXXXXXXXX. 

I have used ACE in the distant past and if I owe a debt, I am willing to pay but I need a letter of proof. This email was threatening, as well as major grammatical and spelling errors, very unprofessional.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Delinquent account

Complaint: I would like to dispute the validity of Barclays Bank Delaware, Account number 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 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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: I sent a letter to Equifax on  XXXX   XXXX ,  2017  via Certified Mail stating that there was a Public Record on my report for Bankruptcy that needed to be removed because it was inaccurate. They in turn, sent a letter back to me dated  XXXX   XXXX , stating that the record was verified by  XXXX   XXXX . My   XXXX   XXXX   consumer report was frozen on  XXXX   XXXX ,  2017 . The letter that I sent to Equifax on  XXXX   XXXX  included a letter fro m Alabama Federal Court stating that they do not provide this type of information to Credit Bureaus. This record should not be on my credit report because it was not obtained from the courts, and the letter is proof o f this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX claims that I owe them because their equipment was not returned but in fact, it was returned using their packaging and their shipping label two days after they delivered the return box and label to me. XXXX support would not provide any assistance on verification of the receipt of the returned equipment. They would not provide information on how I could contact the recipient of the equipment to follow up on its status. Their absolute refusal to provide information about the recipient of the returned equipment seems disingenuous and the subsequent collection program seems like a scam to try to collect money that 's not owed to them.

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 12-07-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Our Mortgage is a modified loan through Bank of America. We have already live the nightmare of almost losing our home because Bank of America had our loan being serviced by XXXX. We saved our home thanks to you ( CFPB ) and all the paperwork I was able to supply my complaint against their failure to follow through with modification process and improper handling of our records. 
ONCE AGAIN Bank of America is transferring our loan servicing to XXXX. A company that has a 98 % negative review, not customer friendly, a company from XXXX and is n't even a XXXX. How can Bank of America continue to work with a company that has this kind of reputation? Please I feel that based on my history with Bank of America that they could and should keep servicing my loan or at least that they find a better servicing company that carries a better reputation and isnt a company just waiting to complicate a family 's mortgage records so that they can start charging fees upon fees and then create a crisis as to make a homeowner default and they make their money off the top for every home they foreclose on. 
I want nothing to do with XXXX. We saved our home, we worked very hard, lost sleep, got sick and hospitalized because of all the misplaced paperwork and stress XXXX caused us. Please review the documents I am uploading and I beg that you see how you can assist us with remaining with BOA as our servicer or find us some other reputable servicer that isnt 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 12/24/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I have funds available in my checking account at TD Bank that I can not access, I have paid them what was owed and closed my account but they refused to close it and will not release my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2016 about Debt collection (I do not know) with ERC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Enhanced Recovery to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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 10-12-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I submitted a payment to Synchrony Bank on XXXX/XXXX/15 regarding an credit account with Ethan Allen furniture. In the 3 days, from XXXX I received XXXX calls from Synchrony Bank XXXX including calls on Saturday and Sunday. This level of harassment is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I made a payment to cap ital one f or {$280.00}. They claim they have returned check for this amount. Contacted my bank  XXXX  who told and gave me ( written confirmation ) that  capital one never   attempted to draft {$280.00} and they never returned it obviously. I tried correcting this error by phone multiple calls send documents proving capital ones mistake. Capita l one stat ed they would not reprocess the original payment that I had to make it again. Well I did and still  XXXX  has not seen any pending drafts from my account ( I made the second attempt to pay 3 days ago ) since having the card maximum time frame is 2 days during the  week 3 on  weekends ... it 's weekday. Cap ital one h as chosen to close my account. Told me I had to honor my payment without having access to my  XXXX  cards. This has left me without food drinking city cloudy tap water until Tues  XXXX   XXXX  and only this soon because I receive my paycheck. The documents I have show there 's not stop payment on my open   XXXX   account there previous drafts and pending drafts showing there was no attempt on capita l one to collect a copy of my statement showing I have had the fund available to capital one since I 've made the original first payment. Capital one is violating  there terms and conditions we agreed upon when I originally signed up with them. Considering the error is on there end I feel my account show be open and shou ld of not been closed and any negative information from this should not affect my credit score. After providing proof capital one has changed there reason to why they closed my account however fact is they did n't process a payment and fraudulently marked my account with a returned check. I want this matter resolved immediately. Capital one continues to say they have to review the documents I sent .... no what capital one should have done w as collected my original payment then my account would still be open and they would n't of screwed up my credit wen I was planning on buying a house in the next few months.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have a XXXX XXXX AAdvantage Executive Platinum credit card from Citi bank. I pay {$450.00} annual fee which is tied to my XXXX XXXX AAdvantage account which also gives me access to the XXXX XXXX around the country. I use this card to book my flights as I travel quite often and also for everyday purchase. Recently, Citi bank closed my account all of a sudden without informing me. I could not use this card to access the XXXX XXXX as my access was denied. Also, I could not purchase anything. I was trying to pay for my rental car at the airport and even that transaction was declined. I always paid my account on time and more than the minimum due amount every month. I had to face embarrassment because what Citi bank did. I have no idea why my account was closed without any proper explanation. Citi is refusing to reinstate my account and also not giving me proper explanation for their actions. I feel like being manipulated by these big credit card companies and my financial needs is dependent on them which should not be the case. They are also refusing to credit back pro-rated amount of membership of {$450.00} that I paid beginning of this year as they have closed my account without any valid reason and unexpectedly. I need some answers please. Thank you, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/17/2018 about Mortgage (Other type of mortgage) with Union Home Mortgage Corp (CO).
Issue: Struggling to pay mortgage

Complaint: For ten days I have been trying to get modification doucemnts from Union Home Mortgage. The first time they said would take about 48 hours to be email. Nothing happened within this time frame. I called back and it was stated the request was never put in. This has been going back forth for 10 days. It has to be requested and then I was told it could not be email. I gave them a fax number to fax it to and still they are saying it will take 48 hours for the request to go through. Today X/XX/2017 I called again trying to get the documents and was informed of the soame 48 hours request to be sent. I spoke with a supervisor and got the samething and never got to the right person. It was never the modification department. I was informed that the modification department does not take phone calls. They only do modification.

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 08/29/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery XXXX. Call multiple times a day. Every day of the week. Have no debt in collection. Asked not to be called. I think it is a scam, but I am really tired of these calls. Make them stop!

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with PARKS TITLE COMPANY (MI).
Issue: Settlement process and costs

Complaint: In XXXX 2008 XXXX and XXXX were constantly stopping by my property and sometimes had the XXXX police asking me to move out because XXXX XXXX had purchased the property for XXXX and they presented a covenant deed as evidence and claim that parks title company conducted the transaction. 

I recently were informed by XXXX that they were doing a release of the lien and provided me a case number. I politely left a message for amaze of this and he taken it as a threat and filed in XXXX county court against me case XXXX. In these pleadings and a statement to XXXX police he indicated that he purchase the property legally and he has legal documentation. 

Please provide to the CFPB the legal documentation that XXXX claim he has under your title company at XXXX XXXX XXXX XXXX, michigan XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (FL).
Issue: Money was not available when promised

Complaint: I used the Wells Fargo SurePay services to transfer money to my friend 's account using his phone number. I received the confirmation email and text message saying it was transferred to his account and received a text message as well. I sent XXXX separate transactions to the same phone number in forms of {$41.00}, {$500.00}, and {$2000.00}. The money was taken from my account to transfer over. I waited a day or two to see if he got the money, and he said it never transferred. I checked his XXXX XXXX XXXX account to see if it ever went through, and there 's no signs of the transfer. I checked his statements, transfer history, and even the preferences to see whether the correct number is linked to that account ; and it was correct. He called his bank to see if they can see if anything went wrong, but they said there was not any transfer that went to the account. So, I submitted XXXX claims to Wells Fargo, and they said everything went correctly on their end and that they could not do anything much more. They offered to send any documents that they used relating to the claim showing how they determined the outcome, but they had no documents to show for. I am submitting to claim to determine where my money went.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (Other type of mortgage) with MOVEMENT MORTGAGE LLC (NY).
Issue: Closing on a mortgage

Complaint: We went to our scheduled closing and on the way there found out we couldnt close. We were told the ratios werent in line. The mortgage company gave the go ahead to everyone involved, including the attorneys. Now we are being told the loan was never correctly processed or approved. We had days off from work, utilities transferred and people set up to help us move. Our landlord has new tenants coming in on XX/XX/XXXXand we have no where to go. The banker will not return phone calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (AL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: multiple times since XXXX of 2016 I have disputed full debts charged to my card, which were not placed in or anywhere near my location ( 600mi away ). The card was racked up twice to its limit, account is double the limit because XXXX/comenity refuses to acknowledge that the debt is fraudulent. they refuse to report the account as closed, let me deal with a 3rd party collector, or fairly dispute the account. I have on time payment until this timeframe. the debt isnt mine, I have had other cards closed and deleted for less, but this bugger wont follow the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Wells Fargo has very unfair personal loan to pay credit card. Very Very bad customer service and makes fun of people. They have Bad currency and when I pointed this out they ignored it. They fail to understand that my funds are mine and they will not communicate in normal manner, but make fun of me. They treated me extremely badly today XXXX-2017 when I attempted to ask about credit card and loan and how to fix it. Last month I had to shut checking account down. XXXX WA state have branch

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