milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2017 about Mortgage (FHA mortgage) with STONEGATE MORTGAGE CORPORATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind after starting my own business I fell into foreclosure but fully reinstated and I was on track again. Few months past and I got injured working mind you I am running my business alone. I fell behind on my payments the house went into foreclosure I kept saving money to reinstate. I applied for a workout packet to see it I qualified for a loan modification or some sort of assistance. Well in the interim a sale date was placed on the house so this now becomes a very time sensitive matter. I sent in all required information even though I was after the dead line of 10 days before sale the mortgage lender made an exception to review my packet. I spoke to a few representitves after they has a complete packet and I stressed the fact I did not want to lose my home and that I can reinstate I wanted to wait to hear wether or not they can help me in a workout plan. Well Thursday before the sale on Monday I was told to relax your house is not going to be sold we will put a hold on the property as we review the packet but come to find out they never did the house was sold and no one contacted me until after the sale saying I was denied any assistance or loan modification which I clearly asked to be notified asap but then it gets better, the Monday of the sale in my mailbox is the letter of denial backed dated for XX/XX/XXXX saying I was denied which in they knew on XX/XX/XXXX how come when I called they said it was still in review i did n't need to worry and to go have a drink or a nice dinner and relax your house is safe and someone will be in contact with me once they review the packet. So now come Monday my house is sold, I was given false information which would have saved my house from the sale and i would have reinstated if I would have known on XX/XX/XXXX or XX/XX/XXXX when i called that I was denied and everything would be fine and everyone would be happy. I called to see what we could do to make this right and they say nothing we 're sorry. So I am taking further action before the transfer of the deed to try and reinstate and save my home, my credit and my image as a man. I believe they dropped the ball, and misinformed me and gave me false information to stall and let the sale take place to just be done and that was n't fair to me in anyway because i have the money it just so happened I fell into a bad stroke of luck and now I 'm recovered and doing well so why could n't this be handled in a different matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to obtain a loan modification for over nine months. I requested copies of my loan documents because I believe that I did not receive and/or sign all of the original documents. I believe the good faith estimate was never provided to me and was later forged. There also may be other loan documents I did not sign. I have requested the loan documents at least 5 times. They will only send me a copy of the note and mortgage ( which is available at the registry of deeds ). They refuse to provided the rest of the loan documents and say my request is overly burdensome. I have explained why I want the copies and they still refuse. In addition, the lender has done everything possible to try and say I do n't qualify for a loan modification. First they would n't accept my income, then when they finally did, they said I did n't pass the Net Present Value Test. I did n't pass the net present value test because they used an inflated fair market value for my home. When I showed them their valuation was based on a drive by BPO and was inaccurate, they said I made too much money and my payment would n't be XXXX % lower than my original payment. I asked them to ask the investor to waive that requirement. They have refused to request that from the investor.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: In correspondence dated XXXX XXXX, XXXX I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, this company is claiming that the items I disputed have been verified ACCURATE and CORRECT which is not true. The XXXX account is fraudulent sent XXXX a copy of my FTC AFFIDAVIT, NOTARIZED, a police report filed my XXXX and letters requesting the account to be removed and blocked. XXXX 's confirmed that they received all these documents last XXXX XXXX and still is under investigation. So why claim that this item has been verified, correct and accurate??? Not removing this item is a direct violation of FCRA XXXX. For the XXXX XXXX account, Sent them a debt validation request, same date. Instead of sending me validation documents, they sent me a collection letter asking me to pay an amount that has already been paid. THESE ARE VIOLATIONS of FCRA and FDCPA by the credit repositories and the creditors. My rights to fairly acquire credit has been taken away by these companies!

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 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with STATE FARM BANK, FSB (VA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: My most recent call to this company was this morning XX/XX/XXXX ; I spoke with a representative by the name of XXXX and then proceeded to speak to a supervisor, XXXX who then transferred me to an account specialist who attempted to collect a debt I did not know I was late with the payment until the card statement arrived on yesterday XX/XX/XXXX. 
I was advised by the account specialist that I would need to make the payment in full of {$100.00} and then they would waive the late fee. I asked them if I could pay half which is past due and they said no. I advised them sometime in either XX/XX/XXXX or XX/XX/XXXX, I  was in fact late because I overlooked the bill. That late was waived and the representative I spoke to then advised me if I made a payment of {$48.00}, I believe, my account would be up to date and I would go back to the minimum of {$25.00} per month. I am incurring late fees every month even though I am making the payment. I advised the next representative in XX/XX/XXXX that the same thing is happening. She advised me she would waive the late fee and I asked her how much I needed to pay to bring current. She said {$25.00} and I advised her I would send {$30.00}. 
Now they are asking me to pay this {$100.00} before they will do anything and have sent my account to collections like I am some sort of criminal. This account was opened in XX/XX/XXXX as was advised by the rep I spoke to today. It has been 15 years since it was opened with a XXXX line of credit and I have maybe been late once. 
I advised him I intend to pay this balance off as the account is closed within the next year so I do not need to be drained of money with all of their fees and interest. 
As you can tell I am very upset and would like something done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had a debt that was sent to collections without my knowledge. The debt collection company, CMRE, had the wrong mailing address. Then I updated my address with both the hospital and CMRE. The hospital billing department corrected their mistake, and I was reassured by both CMRE and the hospital that everything was taken care of. 

Several months later, I try to refinance my condo, and it turns out CMRE still has an outstanding debt on my credit report. I call them and they still have the wrong billing address, and I have still had absolutely no notifications or contact with them. And interest has being compiling this whole time. 

I settle the outstanding bill because I do n't have time to wait for the hospital billing department or wait for my health insurance to settle the claim, since I need the refinance with the bank. 

CMRE still has n't sent a letter that confirms deletion of the outstanding debt on my credit report and I have no confirmation that I have paid the bill in full. Other than the big charge on the credit card. 

Now that I do n't owe CMRE any money, they have literally hung up the phone XXXX, transferred me to a nonworking extension, and transferred me to their supervisor who despite leaving voice mails has never returned my calls. 

They tell me over and over again the letter has been sent, but I still have n't received a deletion confirmation letter than I can submit to the bank for the refinance. They claim they ca n't e-mail a password protected file, they ca n't fax a letter, they ca n't send certified a letter, and they ca n't regenerate the letter and send it again. 

After all this, I am not surprised I have n't received a confirmation of deletion or a confirmation of payment, since for months, they did n't have my billing address correct and I have never had any contact with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I recently checked my credit report & found that the XXXX motgage on my house was listed as closed. I spoke with the credit bureau, XXXX, & the representative pledged to work on it. I then called Green Tree, the mortgage company. They gave me very vague information as to why this mix-up has happened & the status of my loan. Basically, I was told that since I had a Chapter XXXX bankrupcy XXXX years ago, even though I did not include this mortgage in it, that XXXX XXXX XXXX, the company that held my mortgage at the time, failed to get a " letter of affirmation '' that this mortagage would be excluded. This, they said, should 've been done while the bankrupcy was still open. I was also told that if I paid-off the mortgage, I would n't get the deed to my house because of this & also I would not be able to sell the house. I have made timely monthly payments to Green Tree for the XXXX years since my bankrupcy, but they say they wo n't report this to the credit bureaus until I reopen my bankrupcy filing & they can get that letter of reaffirmation. Even then, they wo n't report my timely payments for those XXXX years, but just from the date that letter is received. 
Since they acknowledged it was a mistake by my mortgage holder, it seems unfair that I should bear the burden of reconnecting with my bankrupcy lawyer ( who is XXXX miles away & very bad about calling back & following-up, by the way ), spend XXXX of dollars to reopen the bankrupcy, & suffer having other debt problems simply because of that reopening. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (DE).
Issue: Managing the loan or lease

Complaint: In 2012 by using the online service Swap-A-Lease and the approval of Mercedes Benz Financial Services ( MBFS ) we were able to swap a vehicle with XXXX XXXX. We asked MBFS if they had done business in the past with XXXX and their response was yes, which gave us peace of mind. Our vehicle was in outstanding conditions, we attached the XXXX Report with the swap information. On XXXX/XXXX/12 we successfully handed the vehicle over to a lady representative of XXXX and immediately mailed the payoff check to MBFS, who also sent us the Lease End Statement. Two months later MBFS sent us a letter saying the check had no funds and the car had been repossessed on XXXX/XXXX/12. 
The original payoff letter/quote was valid until XXXX/XXXX/12, but MBFS repossessed the car a full day before the end of this committment. MBFS never informed us of the insufficient funds check until XXXX. In the time MBFS kept this information from us we had already committed to a new smaller vehicle, a XXXX XXXX. We called XXXX XXXX to ask what had happened, they said they had asked for 3 more days to cover the check but since it had been taken from them, they now had no reason to cover that check. While the car was away somewhere it apparently had some hail damages which got fixed, again without our knowledge. So the balance on the account is XXXX + XXXX for repairs that we were never made aware of, we just simply have to pay. When a car is taken in for service even a {$15.00} part is first consulted with the owner, but in this case nothing has been consulted with us, we feel this is Consumer Deception. 
If MBFS really felt that we were still responsible of this car, why did they not get in touch with us as soon as they realized the check had no funds? We would 've reached out to XXXX and maybe offered to pay one more month in order to give them the opportunity to gather the funds for the check. Why did n't MBFS reach out to us showing us the hail damages before proceeding with repairs? Until today we have not seen a single picture of the damages, it 's just been their word. 
When a house is sold and the new owners default on their payments, the bank does not go back to the previous owners, they collect on the new owners. Why is MBFS collecting on a debt that we released with their approval and on which MBFS sent us a Lease End Statement? We feel that it was MBFS who broke the Agreement, they did not comply with the provided Payoff Date, they repossessed the car without our consent and they made repairs also without our consent. We believe MBFS did this knowing that the vehicle was no longer our responsiblity, that 's why they made these decisions on their own. We have been called through several collection agencies and threatened with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Wrong amount charged or received

Complaint: On XXXX XXXX 2017 XXXX sold me XXXX Bitcoin Cash ( BCH ) at an fraudulent/unfair price of {$6000.00}. I then proceeded to sell the XXXXBCH at {$9500.00}, only to have my sell order rejected because they shut down the exchange due to a computer glitch on their behalf. I lost out on a sale of about {$100000.00}. I came back the next day to find the price crashed down and not able to sell. Because of their computer malfunction, I decided to hold off on any trading on the account until the issue was resolved. I have not received any sort of response from them, and they 've hung up the phone the one time I was able to get through to customer support. Because of this, it caused me to lose out on an Ethereum position that should be equal to XXXXeth not to mention time, energy, and money spent trying to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Delinquent account

Complaint: Over the past few months Macy 's credit reportedly made several updates to their mobile application. In XXXX 2015 I submitted my monthly payment through the mobile app, however the app did n't process the payment and my account was put into past due status and I was charged a finance charge and late fee. I called into Macy 's credit card services and spoke with a representative and my account status was changed to correctly show that I was in good standing and the finance charges and late fees were credited to my account. I was assured that the mobile updates were working and I would n't have any issues with payments in the future. In XXXX 2015 I again submitted my payment through the Macy 's mobile app. On XXXX/XXXX/15 I attempted to make a purchase inside a Macy 's store and my card was declined with a past due status. I spoke with a Macy 's credit services supervisor and she noted on my account that this is the second time my payment was not processed when using the app, and she credited my account the late fee and finance charges. Not only was this embarrassing, but I am concerned that Macy 's credit is reporting past due status on my credit report when the fault is with their application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/28/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Home Loan Center, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is my second complaint. First one was initiated in XX/XX/XXXX, which Lending Tree responded XX/XX/XXXX : Complaint XXXX XXXX XXXX ) Lending Tree 's XXXX XXXX response was false. <P/>2 ) As of XX/XX/XXXX, the balance of {$8900.00} still appears 3 ) They fail to mention, they used the wrong account number in the XXXX XXXX account. <P/>4 ) They also failed to mention the all the other payments that made the account up to date. XX/XX/XXXX payment made XX/XX/XXXX for {$1200.00} 5 ) XXXX payment made XX/XX/XXXX for {$1200.00} 6 ) XX/XX/XXXX Payment made XX/XX/XXXX {$1200.00} ( after they had the wrong bank number ) 7 ) On XX/XX/XXXX a payment of {$8900.00} was made to pay off the account due to their not allowing us to send a check saying they could not guarantee it would arrive or be posted on time, regardless of how early it arrived. <P/>As a result of these payments, over {$12000.00} in payments within 90 days. They still have the balance and are calling this account 30 days late. This needs to be removed immediately or I will file a civil suit. <P/>PS - Your system was very difficult to use and only now was I able to see the response for the first time and respond. thank you for fixing the password issues.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: American Express Blue Bird is holding money that I didnt authorize. The sum of XXXX. Im stranded with no way home. They did the same thing to me three weeks ago. They will not work me at all. The keep my money and wii not help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NJ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I lost my XXXX  job and since than I haven't been able to make two payments for my credit card, because the minimum payment is too high. If it was lower I would make the payments but as of right now I cant afford it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease

Complaint: XXXX leased a XXXX from XXXX XXXX XXXX in XXXX, NJ. Ally Bank financed the lease. XXXX turned the car in to XXXX XXXX XXXX in XXXX XXXX, NJ because I leased another car. Sales person checked the old car out for damage and called Ally for payout figure. I agreed to damages totaling XXXX for the front bumper and on XXXX/XXXX/14 my daughter sent a check for that amount to Ally Bank. Ally is looking for an additional XXXX for damage to the left front fender that was not there when I turned the car in. My daughter, XXXX XXXX, has made numerous attempts to resolve this issue but Ally refuses to speak with her. I am hard of hearing so I sent Ally a letter giving them permission to speak to XXXX but they refuse to talk to her.

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 05/27/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (DC).
Issue: Loan modification,collection,foreclosure

Complaint: I originally had a mortgage with Country Wide mortgage. The company was taken over by XXXX XXXX XXXX. I had paid the mortgage on time for a while. Then a few years later I started having financial problems. I tried negotiating with my motgage company and they appeared to want to work with me. As time went on I applied for a loan modification. They sent me a modification package. I filled it out and they was always some technical reason for not granting the modification such as not a complete file or the package being mailed or faxed a day late. This excuse went on for long time, My XXXX servicer was a person named XXXX XXXX. After her I had XXXX other case managers, I hired a modification specialist to handle my case and they filled out some papers ang gave me some advice for over {$3000.00}. I think I was ripped off because I did n't get any results from them. The modification process dragged on until the begging of this year when I sent a letter that my note was sold by XXXX XXXX XXXX to an investor and that Caliper Home Loans would be the servicer of the loan. I calll them and spoke to a customer representative and told her that I was interested in modifing the loan. I was sent a letter in the mail. I filled it out and mailed it out to Caliper homes in XXXX and I was waiting on results as far a my modification decision. But during this memorial day weekend someone changed locks on my home after I left that morning. I would like for someone to help me so I can resolve this issue that has been going on for years. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: In  XXXX  of  XXXX , I was diagnosed with   XXXX   XXXX  . I have been out of work, without a paycheck, since  XXXX / XXXX / XXXX . Return to wo rk may  be  2-4  months from now. I underwent  XXXX   XXXX   XXXX  in  XXXX .     We applied for assistance early  XXXX . Ocwen dragged the process out for months and finally denied due to what I was making before I stopped. I am only getting  XXXX  per month from  XXXX  insurance. That is only a third of normal income.     We applied again because they told us to. They said the denial should n't have been based on the old pay stubs. This took 2 months. Again, denied. They said they had to use the income we were making before I stopped working and would not even consider a temporary hardship assistance.     We ca n't make payments any longer an d may lose our home.

Company response to consumer: Closed with explanation