milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Trouble during payment process

Complaint: I have sent 2 letters one in XX/XX/XXXX and one XX/XX/XXXX, to Ditech for the past few months regarding how my payments have been applied, what is the corporate advance of {$60.00} for, and per the last modification I had I am not supposed to be charged late charges why all the sudden I have late charges on my account, why I do n't get my monthly statement like I am supposed to get monthly. So far no response except a letter to cure telling me how to pay to cure with no much to work with, but when I called the company they have double up on what I owe. I just need to know details of the payments applied since XXXX 2017 till now, why after all these years late fee start adding in my account, why is the advance balance for, where is my unapplied balance of {$160.00} applied to in XXXX 2017 because I was told to pay the {$370.00} to complete payment that was done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm submitting another check stub with XXXX XXXX XXXX XXXX XXXX. My account for direct deposit was with them in XX/XX/XXXX. This is the year I was given the XXXX XXXX XXXX XXXX in the doctors office. This almost caused my XXXX. In XX/XX/XXXX I filed a medical malpractice law sue. All prepared my XXXX. Case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX is in a financial hardship On XX/XX/2016 he sent in a loan modification package. 
Since then Ditech has held his file hostage and has refused to provide an update on the file despite the bankruptcy authorization on file. XXXX XXXX filed bk pro per and represents himself. There is no attorney assisting him. 
Please see attached phone records that show 48 hours of hold time. 
DITECH employees transfer the phone calls to the " bk '' department and the calls are placed on a perpetual hold. Not one employee has answered the phone. The call is then dropped each time after 3-4 hours of hold time. These calls were all placed at different hours of the day. At this point there is no excuse for the negligence. 
It is very obvious that DITECH is discriminating against XXXX XXXX based on his race, ethnicity, language, national origin. 
There is no excuse for the lack of assistance. 
Supervisors have been requested on numerous occasion and the lack of training is extremely obvious and appalling. 
The following employees have provided horrendous attitude and need further training. The lack of skill is very apparent. 
XXXX XXXX XXXX XXXX x XXXX promised she was going to get someone on the line and she intentionally terminated the call and failed to make a call back to address the issue and the dropped call. 
XXXX, XXXX, XXXX, XXXX, XXXX were also all employees who discriminated against XXXX XXXX and transferred him to the que where the calls are placed on a perpetual hold when. XXXX XXXX will be filing a litigation complaint in district court in regards to the negligence and discrimination from ditech. Furthermore, He wants an update on his file from the 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 10/19/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Making/receiving payments, sending money

Complaint: I sold a car online and was sent a cashier check from the company I try to get the bank to verified it before I deposit in my checking account, I was told by one of the banker that it looked ok just deposit into my account that I had with that bank, I put it in my bank account I had with the bank.The bank gave me half of the check which was XXXX available to me which I took the cash. The bank aloud m XXXX available that day ok 3 days later I get a block put on my account and when I call them that 's when I found out the cashier was not good. I tried to get it comfort at now I am label high risk @ XXXX XXXX and can not open a bank account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reviewed my EQUIFAX Credit Report on   XXXX     and noticed a HARD INQUIRY from  XXXX . I did not request or authorize anything from this company. I sent a certified letter on   XXXX     (  XXXX  ) to have this removed and I have never received a response and it is still on my credit report. I want this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My loan is with Sallie Mae. I have an ongoing, terrible situation with Sallie Mae private loan department. I have spoken to several different customer advocates who have been able to help some but the last one I spoke with les me astray and now Sallie Mae says I owe {$800.00} immediately which I do not have. 

I took a private loan in XXXX 2013 so I could finish XXXX school and my father in law cosigned. Ever since my loan has graduated from the grace period, Sallie Mae always calls and harrasses my cosigner and NEVER contacts me. I have to speak with the customer advocate who has helped with payments but never handles the issue of my cosigner receiving XXXX % of calls and mailings. I have yet to receive anything. 

I have used my forbearance time and am having trouble paying. My husband has been out of work and we have recently moved to take new jobs and our income has yet to catch up. My cosigner is in poor health and does not work. I spoke with a customer advocate who said I could sign up for an income based plan which would take my payments from {$210.00} to {$68.00} which is much more doable. And would erase my late fees once I made three payments. I spent over an hour on the phone with her going over my financials, as did my cosigner. She then called back the next day and said she had to forward to financial for approval and asked me to go over my financials again saying that because I had a monthly deficit that financial would not approve me and we should try to change some things. I was confused and worried because neither myself or my cosigner have available funds. She said she would call the next day. We also set up two years of payments at the {$68.00} amount. 

It took her four days and when she called back she was very curt and said financial said between me and my cosigner we made too much for the income based and the payment would stand at {$210.00} and we owed {$800.00} back payment. She could not extend the amount or help with any postponement of payments. She also never addressed the problem of the reps calling and threatening the cosigner. 

I am really at a loss now. I do not have {$800.00} to get caught up and neither does the cosigner. I can pay the {$68.00} if I can get the income based payments. When I signed on originally I was told the payment was {$25.00} a month while in school and payments would be calculated once I graduated. One month they took {$25.00} and the next {$210.00} without warning or notice ( I was on automatic payments then ). 

I want a company where I can call and get solutions. Not rude customer service agents or advocates who ask me to change financials and then do not get approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Fraud or scam

Complaint: I called money gram today XX/XX/2017 about the money I sent to let them know I was involved with a scam and I got the run around and no help from them at all. I lost XXXX through this company and they were trying to pin it on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: I reside in XXXX, but can supply a U.S. mailing address for correspondence if required. 
On XXXX XXXX, I sent 2 international transfers from a XXXX bank account to Coinbase ( A U.S. Registered company ), using the required reference given by this company of XXXX. 
2 Remittances were sent that day for : XXXX GBP ( Equivalent of {$2000.00} USD ) XXXX GBP ( Equivalent of {$60.00} USD ). 

On XXXX XXXX, I received an e-mail from Coinbase to say they 'd had some delay processing funds received from their customers but that my XXXXGBP ( {$2000.00} ) received was now credited to my account with Coinbase, for purchasing of Crypto Currencies. 
There was no mention of the XXXXGBP ( {$60.00} ). Coinbase has never even confirmed receipt, although I can obtain a bank trace, if required. 

The funds of XXXX were not in the account as their e-mail stated and have not materialised since. 

I have tried calling their helpline, but am unable tto get through. After 30+ minutes of waiting, the line simply hangs up. I have sent several tickets to their online support system and have not had any meaningful response in almost a month and at this stage have given up expecting one. 

Since searching online, I understand I am not the only person who has suffered losses like this, there are many others who despite efforts, have been unable to reach Coinbase or receive monies that were in effect stolen after sending in good faith to Coinbase.

As the funds I sent via bank transfer using the reference they requested I use have both not materialised over 1 month after sending, I must report I have had these funds stolen and am now seeking legal help recovering in full - what is mine and not Coinbase 's.

I would appreciate the assistance of the Consumer Financial Protection Bureau in recovering the money I have had taken by Coinbase, without my permission, which is tantamount to theft.

Please reach me via e-mail - this is the best way to contact me when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX, payed bill, received a letter from them stating " paid in full letter '' yetthe account still shows in my credit report as opened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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-17 I sent Equifax a letter disputing information being reported inaccurately to my credit report. They reported that their investigation was complete, but refused to make most of the requested corrections. Please see the attachments for the documents I sent to Equifax with supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a enhanced recovery collection company trying to collect a debt. I do n't not owe since XX/XX/2013 and it 's been on my credit report for 4 years I try to call and get things straighten out but they could n't find a account that belongs to me. I no longer know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Consolidated Recovery Group, LLC (KS).
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: The credit report dated XXXX XXXX, XXXX provided by XXXX showed Consolidated Recovery for two accounts showing on my XXXX report. Those accounts numbers were account # XXXX and XXXX. As of XXXX XXXX XXXX, they reported that the amount owed for account # XXXX was {$250.00}. On the same date, they reported the amount owed for account # XXXX was {$260.00}. The original accounts from the original creditor, XXXX, became delinquent as of XXXX/XXXX/XXXX. This means that XXXX/XXXX/XXXX would be the correct Date of First Delinquency. As of XXXX/XXXX/XXXX, according to a statement from XXXX, the final amounts owed were {$210.00} and {$170.00}. The accounts with XXXX were charged-off and any interest or final fees owed to XXXX can not be applied after the charge-off occurred. Consolidated Recovery, a debt buyer, can not legally inflate the amount of the debt after the original creditors write-off. Under 15 USC 1692f 808 ( 1 ), the law states the following : The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
This is no legal explanation as to why the amount owed in the two collection accounts was inflated. We can only assume that this was done in retaliation since they only inflated the amounts after I filed a dispute with the credit bureaus because the company was reporting an incorrect amount for both accounts ( less than what it shows now but more than the original amount ) and the dates were being reported incorrectly. These debts are from XXXX. From XXXX until the time that I filed the dispute with the credit bureaus in XXXX XXXX, the original amounts have never increased. They did not increase until I filed the dispute which shows a clear retaliation from Consolidated Recovery. 
In addition, the company is showing the wrong first date of delinquency. In this case, it would be XXXX. They are reporting a date in XXXX in violation of my rights as a consumer. I am attaching a previous credit report from this year as well as my most recent XXXX so you can see the increase in the amount reporting. Please note that the XXXX credit monitoring that I am using shows the original creditor reporting however it is actually Consolidated Recovery that is reporting the accounts to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: Citibank has a XXXX day late payment that they are reporting to the credit agencies from 2013. I have been a customer for XXXX years and have never had a payment go out after XXXX days. It was sent and postmarked prior to the XXXX days that they reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Billing disputes

Complaint: In XXXX, I believe I had completely paid of my Kohl 's Charge account. In order to check, I logged into my online account there. As I did not recall my account information, I had it sent to the email address which I had been receiving statement reminds at. I then logged in and saw that I was entirely paid up. Unfortunately, there was a bug in their system which caused me to login to a prior account with Kohl 's which had been closed. Since then they have fixed this bug, and require the Kohl 's card number rather than email address, so I get directed to the proper account. This issue was made worse by the fact that I moved around that time, so did not receive any written notices. 

In XXXX XXXX, I was denied credit, so went and looked at my credit statement, and found the derogatory information. I immediately called up Kohl 's to determine what had happened. After over a dozen phone calls between them and debt collection agencies, it was determined that they had lost my account and I should call back in a month. A month later, and many more phone calls, I successfully was put in touch with a collection agency and paid off my account with them. 

Since then, I have disputed the account with the credit agency and with Kohl 's directly. In XXXX XXXX, After receiving a written form letter from Kohl 's with a contact number, I attempted to contact them. I have left at least half a dozen messages on their voicemail, but have never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: There is XXXX dollars taken from my checking account and when I called the bank in same day they said the money take it from the Bank of America ATM that 's what they said. and I 'm strongly confirm that money not taken by me and I 'm always checking my bank account every day in the morning the sum taken from my account without my agreed. 
They open the claim since XXXX XXXX 2017 and I did n't receive any clear explanation how my money take it from my account. 
I 'm always keep my depite card in my Walat and safe place all the time, I also helped the bank and give them the information they need and they just keep me waiting. 
Every time you call the bank they did n't give me clear answer and the said it 's prossing and investigating. 
I work very hard to help my family I have XXXX kids I 'm very sad and not satisfied with this service, I want my money back My claim number with them is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Mortgage (Conventional fixed mortgage) with WATERSTONE MORTGAGE CORPORATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I received notice from my mortgage holder, Waterstone Mortgage, that my loan would be transferred to XXXX XXXX on XXXX XXXX, 2015. On XXXX XXXX, 2015 I called Waterstone and spoke with XXXX, who advised me to pay my XXXX XXXX payment ahead of time to avoid having a payment show late during the loan transfer. I did so over the phone, paying {$2500.00} on XXXX/XXXX/15. I have confirmation of this payment from Waterstone and the full payment was debited from my account on XXXX/XXXX/15. However, Shellpoint mortgage did not receive notice of this payment at the time the loan transferred, so their records still show that I owe them a payment for XXXX XXXX, 2015. I have provided the written documentation of the XXXX/XXXX/15 payment to XXXX. I have contacted both Waterstone Mortgage and XXXX XXXX multiple times by phone, email ( through their secure messaging systems online ) and sent written requests to XXXX to have the issue resolved. So far, all I 've gotten is both sides pointing fingers at each other, both claim they are investigating, but neither has resolved the issue, nor acted on my request to provide status updates. Waterstone mortgage took a full week ( from XXXX/XXXX/15 to XXXX/XXXX/15 ) to send a response to my online message inquiry. Their response was a form letter acknowledging that they were delayed in responding and instructing me to resubmit my request via the Message Center. Basically, I 'm back to square one with them. 
I would welcome advice as to how to get both companies to take action and respond - I feel like I 'm stuck in the middle with no recourse while both do nothing. Meanwhile, a {$2500.00} payment I made is lost in limbo and the new mortgage holder, XXXX Mortgage, shows me as being past-due on my payment, even though I have provided them with written documentation from Waterstone that I did in fact make that payment. What are my other avenues to ensure that ( 1 ) my principal balance is corrected to reflect the payment I made, and ( 2 ) my credit is protected? 
Word of warning to all consumers : avoid Waterstone Mortgage! Our experience throughout the process of buying our house was painful, and it 's only gotten worse from there.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo has recently began charging fees to our bank savings and checking accounts, and changing the rules of our bank accounts without foundation or notification. We have contacted the Wells Fargo Bank by telephone and in person several times, and we have tried to correct the situation and have the fees reversed. Some fees have been reverse others have not. And those that are reversed, are later in the following monthly cycle charged again. We contact the bank, and we do what the bank representatives recommend to eliminate the service fees, but the bank sets new rules and charges fees under new rules. The Wells Fargo bank is constantly changing our accounts ' rules and charging fees we did not have to pay priorly.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Problem with fraud alerts or security freezes

Complaint: On four separate occasions I have sent the ask for documents to all three credit reporting agencies in hopes of removing an Extended Fraud Alert I placed on my credit accounts in a mistaken effort to restrict access to my credit. Somehow this alert is for ten years and turns out was n't needed now I virtually have no credit at all and am denied credit everywhere even with an XXXX credit score, this prevents me from obtaining certain services in my XXXX XXXX fight. In the end my concern with my credit may actually XXXX me.

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