milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2016 about Mortgage (VA mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I am having an ongoing issue with ditech, just checked my bank statements from 2015 ditech never sent a check in the amount of XXXX, it was actually XXXX. I am tired of the run around from this company. I will now be sending a complaint to HUD. Even from their own statements you can tell they are ripping us off with the escrow. This is not a new loan. I will be attending a forum Wednesday hosted by the nonprofit business alliance for a sound economy. In attendance will be Senator XXXX XXXX, Rep. XXXX XXXX, Rep. XXXX XXXX and Rep. XXXX XXXX. At that time I will be showing all taxes statements from ditech along with the emails they have sent me.As you can probably tell they will be discussing homeowners issues. If I was ditech I would have a representative there.I will not stop until they give me my money that is owed that they stole from us through escrow.In North Carolina it is against the law to fudge tax statements.And XXXX XXXX the paralegal from ditech needs to go back to school and learn how to do an escrow. As does most of the people that I talked to from ditech.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have an item on my credit report that does not belong to me. It says the status is closed, sent to collection for XXXX dollars. Says customer unable to locate consumer. I 'm XXXX military and have lived at this address since 2002. Same phone number, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: In previous contact with our mortgage lender Beneficial/XXXX, we learned while attempting to Refinance to a lower rate with other lenders. This evidently put me in a tailspin with them because even after contact their CS Representatives and going through a series of questions name, address, ss #, loan #, date of birth, and any other question to verify my identity Beneficial still as of today wo n't give myself or County Recorder of Deeds, for the State of Missouri , County of XXXX, a lien release after they transferred then sold our mortgage paperwork to another XXXX. Whether they work with or are in each others pocket l ca n't seemingly get a square or complete response out of either that is similar or comparable to one another for example an accurate payoff of now our mortgage. A note to mention before selling off our mortgage paper work they did however raise my payments now XXXX dollars + each month, which the other lender has conflicting statements but also has kept the higher payment scale to base their findings for predatory lending practices just like predecessors. Those are their likenesses as being one of the same.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NM).
Issue: Other transaction problem

Complaint: I sent {$520.00} to a friend in XXXX via Money gram. I stated I wanted the money sent in US dollars when she asked if I wanted US dollars or Euros. When my friend went to pick up the money it was in Euros and he had the added hassle and expence of having to convert it back to US currency. The receipt was folded up and stapled together with only the recipient 's name and reference number highlighted and visible. When I found out he got the money in Euros rather than US dollars I removed the staple and found that Money Gram gets extra money when it converts my US dollars into foreign currency. Doing so benefits Money Gram financially but is counter to my request for sending US dollars only. I'm sure it is company policy to maximize their profits by ignoring the customer 's request and it was no mistake they sent my money the most profitable way for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted MCM to have this debt validated. They were unable to locate an account and are wanting the full account number, they only account number I have is the one on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with Caliber Home Loans, Inc. (FL).
Issue: Trouble during payment process

Complaint: We had a line of credit with XXXX XXXX XXXX. We made interest only payments for years and never had a problem until they changed the terms and started to charge us for both interest and principle. We were in loan modification with them when they sold the loan to CALIBER HOME LOANS XXXX/XXXX/XXXX. At that time, Caliber billed us for fees that XXXX XXXX XXXX had put on hold while we were loan modification. The fees that Caliber said we owed were more than what XXXX had said. 
We had been making the regular payments monthly to Caliber, and we were objecting to the figures that they said we owed for fees. 
On XXXX/XXXX/XXXX, my husband spoke to XXXX, Teller #  XXXX and XXXX, Teller # XXXX, who provided him with the figures that were owed. I agreed, and sent the full amount of {$4900.00} on XXXX/XXXX/XXXX. On the check we wrote " interest only to bring acct. current ''. We assumed that our account would be free of any other fees and charges except for the normal principle and interest that we have been and will continue to pay monthly until the loan is fully paid. They continue to add fees to our monthly bill, now saying we owe {$4000.00} in past due amounts, and {$3800.00} for unpaid advances/fees totalling {$8800.00}. 
We have called multiple times questioning what these charges are for, since we paid what we were told, and we have n't missed a monthly payment. We have sent letters on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX all explaining our position and requesting a breakdown of what they say is owed. We are angry and confused, because we thought we were paid in full. 
Note : an exact LOC with XXXX on another of our properties was in the exact situation, and sold to XXXX XXXX, we never had to pay any additional fees, and a third LOC has stayed with XXXX, and we never had to pay any other fees either. 

Please help us. We have paid all interest and principle on this loan, and we are not willing to pay {$8800.00} additional. 
NOte : This LOC started at $ XXXX, balance now is {$81000.00}. Current value of home is approx $ XXXX. It is a rental house, currently rented to a year round tenant.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (I do not know) with Stellar Recovery, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I RECEIVED AN EMAIL ALERT ON XX/XX/2017 VIA XXXX INDICATING I HAD A CHANGE WITH MY DEBT. I LOGGED ONTO XXXX SITE AND NOTICED THAT STELLA RECOVERY REPORTED THAT I OWED {$1400.00}. I HAVE NEVER HEARD OF THIS COMPANY AND I HAVE NEVER RECEIVED ANY CORRESPONDENCE FROM THEM REGARDING THIS DEBT, YET THEY REPORTED THIS TO 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 03-03-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have a savings account with Bank of America with my Mom. She has a separate bank account which I would handle for her because I have Power of Attorney for finances and healthcare. My  Mom passed away in XX/XX/XXXX. I talked to the bank and I had questions on the paperwork they sent me. My Mom has no estate. I received her bank statement yesterday, XX/XX/XXXX, and they are charging my Mom maintenance fees now that she has passed. I called and tried to get these fees removed today, but I was transferred around, put on hold for half an hour, then spoke to a man who said he couldn't help me. I told him I would report him to you and he did not care. My name is on this checking account as heir in case of a death. I am on a savings account with my Mom. I have checking accounts with this bank too. I am seriously considering closing these accounts based on the treatment I have received which is unacceptable.I need to get the fees removed and this account closed. Bank of America has not been helpful through this whole process when I am going through so much grief. I need assistance.

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 01-07-2016 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Credit determination

Complaint: This bank has no issue placing hard inquiries on my credit report but keep sending me letter saying they ca n't verify me. I have mailed twice to the fraud specialist that they give people in customer service when they receive this letter and she has not once e-mailed, mailed, or called me! No one in customer service has ever allowed me to verify anything, send in documents, nothing and my XXXX credit report is up to date and verified and monitored by me daily! 
I have also made XXXX complaints to your office and each time the bank has wrote in response to you that they think my identity has been stolen and that is why they have denied my application. That seems interesting since the information on the application matches my credit report, I 'm calling saying it 's me applying, I 'm offering to send in verification, and I have filed XXXX Consumer Financial Protection complaints that they are not fairly processing my application and yet they give you the same XXXX answers they provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We were told that we have a past due payment on our mortgage account but we were n't told the month the payment was not received in XX/XX/XXXX or XX/XX/XXXX. I do n't even know the exact month and year we missed the payment. We never received a past due statement until XX/XX/XXXX and now we 're seeing a delinquency payment on our credit report. Also, we applied for a loan modification in XX/XX/XXXX of this year XX/XX/XXXX, and we were denied because the mortgage company said we were current on our loan, had received a previous modification and had positive cash flow. We 're confused because on XXXX hand they say we have a past due payment required but they have not provided us with any proof of this. We 've shared with them that they changed mortgage companies and maybe this is when the payment was misplaced but we have a history of paying our mortgage payments every month. On the other hand, it shows that they are saying we 're current on our loan. In addition, we were told that because we are in the XXXX year of our loan we qualified for a XXXX time credit of {$5000.00} from the Federal Government. They sent us a request form to fill out for the credit if we wanted it. We agreed, signed the papers, and our mortgage was supposed to change once the credit is applied to our principal, and then our monthly payments will be lower from {$2200.00} to {$2200.00}. This has not happen and our payments are being misconstrued. I feel like we 're being taken advantage of by this mortgage company, and we need help to have this situation investigated. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
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: This is the 5th attempt to contact Experian, and my 2nd complaint with the CFPB regarding misleading, incorrect information on my credit report and Im starting to become emotionally stressed by the fact that Experian isnt reasonably investigating and fixing this matter.

According to 15 US Code Section 1681 ( I ) of the FCRA, I demand that the information for XXXX ( Account : XXXX ) be reinvestigated and deleted from my credit report. Please delete this misleading information and supply me with a corrected credit report within 30 days. If for some reason your company fails to reinvestigate, I will be compelled to file a complaint with the FTC. You have not given me a detail regarding your method of verification and you still have yet to provide me with any original documentation that verifies the accurate reporting, validity, and ownership of this account. 

I have attached a copy of my XXXX credit report in order to show that this account has been deleted. XXXX conducted a reasonable investigation and subsequently deleted the account due to it not being 100 % verifiable. For the 5th time, I am demanding that Experian do the same. 

Please note that I will be closely monitoring my credit report and fully expect this to be resolved within 30 days in compliance with the FCRA.

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 10/13/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Problems caused by my funds being low

Complaint: excessive bank fees, ,over charging on my checking account i had a late pay from work they charges me XXXX in overdraft fees i ask them for help and they said that was their policy

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2016 about Mortgage (Home equity loan or line of credit) with Zenith Financial Mortgage Company, Inc. (CA).
Issue: Application, originator, mortgage broker

Complaint: I am contacting you to report a mortgage company, Zenith Financial of taking advantage of my XXXX-year-old mother XXXX XXXX and myself. They broke multiple federal laws including the XXXX XXXX XXXX.

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 05-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Paramount Recovery Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This Paramount Recovery agency has reported that I owe them {$760.00}. I have never heard of them or this XXXX that is from where the debt was incurred and sold to Paramount. But that 's not the most urgent problem. They have filed XXXX individual accounts for collection of that {$760.00}. That is XXXX debt reported on my credit file filed as XXXX different collections for the same debt. On my credit file the account numbers are the same, date of origination is the same, file numbers are the same on each of these reported collections. Unless they treated me 13 times in the same day for services that all cost {$760.00}. It 's not impossible that they did that. This is plain harassment. Reporting the same account multiple time on my report has had a detrimental effect on my credit score. Even if this debt were mine, there should be XXXX account in collection, not XXXX. Deliberately reporting false information to each of the credit bureaus is a punishable act under the FCRA. But I simply do n't have the thousands of dollars it takes to litigate a FCRA complaint. 


I 've tried talking to them but they wo n't even discuss the possibility that this debt was incurred by someone other than myself. They call me at home, on my cell, and at work demanding that I pay this debt but completely ignore my request for them to prove that I incurred this debt. 

The sad part is, if they would correct their reporting to all XXXX credit bureaus, i would pay the {$760.00}. That 's how desperate I am. I have been passed over for XXXX different employment opportunities because of their tactics. Who wants to hire someone with XXXX accounts in collection from XXXX entity? 

I had other collections reported from other agecies that were materially related to healthcare, that I asked them to prove that I am the debtor and they simply couldnt and removed their filings from my report. Paramount will not even discuss anything other than my paying this {$760.00}. It 's almost blackmail. Unless I pay them, they are going to continue reporting false information to the credit bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I began receiving letters regarding an old debt from nearly 20 years ago that I was certain I had paid. We had a flood, and I had no documentation to prove it, so when I got the phone calls, I told the agent that I would look into it before paying. He said, " Well, go ahead and pay now and if you find that you already paid, we will refund your money. '' I told him no, but that I would look into it. It was for a XXXX bill of XXXX. I called XXXX today ( XXXX ). They said I do not owe them the bill. They also would not have allowed me to start my cellular service with them in XXXX had I had a past due amount with them. They ran a credit check on me in XXXX. Today they checked again using my social security number and maiden name and have no record of me owing them at this time. I was sure I had paid it, and settled for around 400 when I did. I called Dynamic Recovery Solutions today, spoke to a supervisor and told her what happened, that her employee tried to have me pay before checking things out, and that the bill is not even legitimate. She said I needed to dispute it. I told her that they did n't get my information from XXXX, and I contacted them directly, and that I am not engaging in this. Especially with a company that may not even be legitimate, and trying to get people to pay when they should n't. She also told me they fired that employee, XXXX, which was a lie, because he called me today at XXXX from the number XXXX and left me a voicemail stating that we had spoken before and that I need to call him back as fast as humanly possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 about Debt collection (Payday loan debt) with QC HOLDINGS INC (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I was called today while at work and the recording told me if I did not respond to them i would have a warrant out for my arrest and legal action. this is for a debt from back in 2013 that I paid and the company I paid sold to another and they said they lost my records on it. Its for QC holding/ 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 11-12-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: Hello I applied for XXXX due to being let go from work. I was granted XXXX they begin to issue payments according them to bank of America but I have not received them.. Bank of America is giving my money to someone else, and claiming that I did a bank transfer years ago they claim money is going to some account I have no idea what they are talking about or referring too. I have not given any permission to transfer anything anywhere. My rent and car note is due I need to pay my bills. I am asking that Consumer Financial Protection Bureau help me to get the funds owed to me from Bank of America. I am also asking your help to prosecute those that are using my money and the bank of America representative that is putting the money into the wrong account. Bank of America is giving me the run around. I am owed quite a few payments per XXXX around XXXX or XXXX. I am not getting anywhere with bank of America and XXXX seems not to be able to help as well. I look forward to hearing back from you urgently and I pray XXXX that you will be able to assist me. Thank you, 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 05/28/2016 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (GA).
Issue: Fraud or scam

Complaint: I was in the process of closing in my home, however somewhere in the process either my email or my agents email or even bith were hacked and I got email from the hackers pretending to be my agent and she kep receiving email from me ( neither one of us where actually sending the emails ). I received an email with instructions to wire transfer XXXX USD to an account at the XXXX XXXX Bank in XXXX, XXXX We did not realize what had happened until the closing day which was 5 day after the transfer had happened.

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