milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-12-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NJ).
Issue: Trouble during payment process

Complaint: My servicer Ditech whom I have made several complaints and they do respond with a person to contact - but when you call this person they NEVER call you back! We faxed over what they asked about being on this do not call list which we never put them on, and when we call we get the same statement saying oh you are on our do not call list. So to save our home we went through NJ hardest hit fund. Ditech was in touch with this program and we closed on XX/XX/XXXX. We were required to bring XXXX to closing and NJ hardest hit paid {$48000.00} to arrearage. We were told by NJ hardest hit fund and the closing company that this would bring us current and our first mortgage payment would be XX/XX/XXXX for XXXX and some odd cents. They told us Ditech would reach out to us with a reinstatement package ( that never happened ) never heard from them and when we called they stated we owed 2 months {$3700.00} saying we owed XX/XX/XXXX and  XX/XX/XXXX. We spoke with XXXX NJ NJ Hardest Hit fund and they said this was innacurate. When calling Ditech they give us no info telling us only one person deals with this and all they ever say is they are emailing him. NJ hardest hit fund had to get back involved and they called Ditech and they said they have to research. This is a Federal program and Ditech again is not doing the right thing. when I try to reach XXXX XXXX ext XXXX it is like she doesn't exist. Now we just received our statement for XX/XX/XXXX and it says we owe {$5700.00}. They are not complying with this program and pushing us behind again after a substantial payment was made. This is unacceptable the way they do business. I would like to know how they are going to investigate this, and where did the {$57000.00} get disbursed to. If my closing was XX/XX/XXXX why wouldn't XX/XX/XXXX payment be included, that is the end of the month. NJ hardest hit fund said ditech needs to follow protocol and so far they are not!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: The following debt is over XXXX XXXX XXXX. The debt was sold to a collection who then sold it to another collection and the open date they are using is the date that the collection received the date. 

The last activity with both debt were XXXX. I have contacted the creditor, collection and disputed with the credit bureau and I got no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit card () with CITIBANK, N.A. (VI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Citibank has seemingly had a major breach in their security system. I received a fraud alert call about a new card ( that had never been activated ) about a charge made from another country. I received the new card 3 days ago, after receiving a notice from Citibank 2-3 weeks ago that they would send me a new card due to a possible data breach. If the new card, which I had never used and had not activated, was used fraudulently, then there has to a breach either at the Citicard level or a vendor that they use. I am very concerned about this level of a breach. My account was closed but in my mind the integrity of Citicard 's security system is in question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Scottrade Bank Manager XXXX XXXX XXXX instructed me to provide me personal information in a manner that is insecure ( via unencrypted email ). Roughly 10 days after providing the information as XXXX XXXX request, my account was hacked. Scottrade refused to make my account whole and said I was responsible for the hack. 

To warn other consumers, do not trust this company. At the current time Scottrade will not even address my concerns. 

Attached is the correspondence between myself and XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 01/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is harassing me on the phone and sending me collection letters threatening to put this on my credit report but I do not own this debt.

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 07-08-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NH).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar is my mortgage loan service company. My mortgage due date is the XX/XX/XXXX and the grace period stated in the loan docs is the XXXX. Nationstar knows that I work nights and go to bed at around XXXX. Nationstar called on XXXX XXXX at XXXX and I told them the payment would be made on the XXXX. They called again at XXXX on XXXX XXXX, at XXXX on XXXX XXXX, and XXXX on XXXX XXXX. I believe this is harassment and I told them so. They claimed it was not harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan servicing refused to accept my mortgage payments via XXXX XXXX and over the phone. They said it was 3 months late and I must pay all that is due to prevent foreclosure. The problem is that I was not yet 3 months behind. I was 2.5 months behind. I told the agent this and I was told by him that he can not accept my payment. It seems like they just want to foreclose on my house. They 're crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an apartment in my name but I have never lived there.

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 01-12-2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have THREE transactions I have been disputing with BBVA for several months now and have received NO word back from them after filing a report over the phone and submitting my complaint in writing. 

I have TWO outgoing wires that I do n't recognize and I know for a fact that I did not make. 

On XX/XX/XXXX there is an outgoing wire to XXXX XXXX XXXX XXXX On XXXX there is one to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit card () with TD BANK US HOLDING COMPANY (NJ).
Issue: Other fee

Complaint: XXXX fraudulanty charged my TD bank account for {$20.00} a month without my permission or authorization. I tried to contact the bank several times to have them reverse the charge but was disconnected. I pay my accounts in full every month so there is no reason for such charge. XXXX did not credit these charges to any XXXX related credit card account so therefore they kept my money and gave me a difficult time to refund my monies.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery is knowingly reporting false information in attempt to re-age a collection accounts reporting on my credit reports. They report accounts # XXXX -Original creditor XXXX/ ( a.k.a XXXX ) # XXXX - Original creditor XXXX XXXX # XXXX - Original creditor XXXX XXXX bank with an Estimated date of removal/FCRA Compliance date/DOFD that DOES NOT MATCH THE ORIGINAL CREDITOR reported on the same report. I have disputed this account as a direct dispute and with the CRA directly, and asked for removal and if not removed than verified. The direct dispute letter was sent to Portfolio recovery on XXXX/XXXX/XXXX. They failed to update the false information that was requested. In addition they changed ( account # XXXX ) " field '' Responsibility from Individual account to Joint account, which again is not accurate. I question the validity of this debt as I have never had any joint accounts. This account is further negatively affecting my credit report and score due to this company 's false reporting. I am demanding full deletion of these accounts The original creditor has remove all three above account - as they were past the FRCA compliance date Since they have not validated this account with proof that it is mine as requested in XX/XX/XXXX, I find that this reporting is ground for deletion that that they are re-aging this debt the date is it is not consistent with the OC on this basis alone. 
I had submitted proof in the form of a copy of credit report highlighting this discrepancy. The law does not allow collection agencies to modify this DOFD, nor does the law allow them to add false information. 

I have attached Dispute results showing XXXX account number XXXX as DELETED but the corresponding collection accout from Portfolio Recovery account number XXXX was not updated or removed. They are reporting original creditor as XXXX XXXX to further things but if you look at the account number you will see they are the same account. 
I have attached newest copy of XXXX credit showing not 1 of the above Original creditor is remaining on the credit report because they were past the FCRA compliace date and are no longer reportable. 
I have attached the last dispute request the was sent to PRA when the original creditors were reporting the date the item will be removed was

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Advertising and marketing

Complaint: False advertisement, deceiving and unfair business practices demonstrated by Bank of America. I intended to use balance transfer checks that I have been receiving as " as special offer '' from Bank of America. In order to use the transfer checks and transfer higher paying interest to a new lower interest credit I made a large payment to the BofA account ( XXXX ). That would allow enough limit in the credit for the transfer and to have a lower credit interest overall. Just after the payment was made, aprox. XXXX days later, I receive a letter indicating that my credit line was cut by more than 50 %. This is credit I already had no new credit I was applying for. BofA action prevented me using the transfer checks and not being able to take advantage of the advertised offer and lower my overall interest rate. I am very angry because I could have use the large payment I made to BofA ( {$16000.00} ) for other things and keep paying as I usually do. I must mention that we had this credit card for around 30 years. I could have used the money to lower other payments. Their action just not only sabotaged the balance transfer, but also, for the credit bureau, it reported the card as over 95 % use thus decreasing the my overall credit score. This action from BofA was totally deceiving, arbitrary, unfair and also, damaging.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TransUnion  XXXX .  XXXX   XXXX ,  XXXX , CA  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX    XXXX    XXXX . Box  XXXX ,  XXXX , GA  XXXX  Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.     XXXX   XXXX   XXXX   XXXX   XXXX   The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within  four  business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA  605B ( b ), 15 U.S. C.  1681c-2 (  b ) .III. A. Blocking Information in Credit Reports under  Sections-605B and 623  ( a ) ( 6 ) Under section  605B  of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA  ( f urnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.   Sincerely,  XXXX ,  XXXX   SOC  #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   fl  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 10-06-2016 about Mortgage (Other mortgage) with Fortune Title Agency, Inc. (NJ).
Issue: Settlement process and costs

Complaint: I used Fortune Title Agency 's Services for my closing. Six months later, after not receiving a tax bill I contacted my local tax office to inquire. I was informed that my taxes and water/sewer were both delinquent and the property was not even in my name. Tax liens and judgments were to follow based on non-payment. turns out that Fortune Title Agency failed to register the deed with XXXX XXXX, thus causing a litany of problems and subjecting me and my property to enormous liabilities. I am still considering suing them for breach of contract, negligence and negligent misrepresentation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/13/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Billing statement

Complaint: Chase " XXXX '' business credit card claims a 30 day billing period but it is only 15 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2016 about Credit card () with WELLS FARGO & COMPANY (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There is a fraudulent charge on my deceased husbands account. Even though at the time of the charge my husband was not well enough to even sign his own name, the financial institution is insisting this is a legitimate charge. They put me through a lengthy process to become authorized on the account and when I last spoke with the financial institution they told me they could still not help. I have received a letter in response to my last complaint telling me that I needed to call into fraud to report it, but when I did that as instructed they tried to transfer me to the probate department again and then hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (Medical debt) with Sentry Credit, Inc. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving calls from collection agency regarding an ambulance bill from XXXX WA Fire Dept. I have repeatedly asked them to not call my work phone. I have repeatedly requested that they mail a letter showing the original service date ( s ) and they have mailed anything.

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 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MI).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: XXXX XXXX has placed a hold on my card due to paying off a large portion of the balance. It has now been on hold for a week. I have had a similar experience in the past where they placed a card on hold when you pay off the balance. I believe they are using these tactics to discourage people from paying off their balance, in an effort to earn more interest from consumers. 
I made a payment of {$830.00} on XX/XX/XXXX. It cleared my bank XX/XX/XXXX. Today 's date is XX/XX/XXXX. They told me the card is on hold due to paying off a large portion of the balance, and the fact the account is " newer ''. Their website indicates I have a balance of {$1500.00} against my credit limit of {$2400.00}, but my available credit is negative {$20.00}. It lists my payment of {$830.00} posting to account on XX/XX/XXXX and indicates there is no payment due. 
I have made larger payments in the past. I use this card due to it being a cash back rewards card, this ongoing hold has cost me money over the last week ; which I expect to receive. Not only did I not receive notification of this hold, it was indicated to me by customer service that I am not allowed to speak to any bank employees that handle bank policy, only call center employees are available.

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 03-01-2018 about Payday loan, title loan, or personal loan (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (AL).
Issue: Charged fees or interest you didn't expect

Complaint: I received a payday loan with easy money in XXXX Alabama for XXXX dollars. The pay back amount was XXXX. The amount was to be paid back by the XX/XX/XXXX or it would come out of my account. The transaction appeared on the XX/XX/XXXXof XXXX and my bank contacted me to approve the transaction, which I did and it posted on the XX/XX/XXXX. XXXX was deducted from my account. I assumed the debt was paid. I'm XX/XX/XXXX, I began to receive voicemails and letters stating that the debt of XXXX was owed. When I asked about the amount, I was told " that's the amount I would have to pay ". No explanations. I continuously contacted the cooperate office and received the most unprofessional treatment. Today ( XX/XX/XXXX ), I finally spoke with someone who seems unsure of why the balance remained when it shows that it's been paid, but insisted I pay the remaining XXXX dollars. When I refused and asked what the XXXX dollars was for she refused to give an adeqaute explanation. She repeatedly stated that the XXXX dollars was assessed because the records show the payment was not made until the XX/XX/XXXX and that the payment takes days to post. I understand that transactions take a few days to post but she stated their system takes 7-10 days. I don't understand how I am being charged a fee when their system is why the fee is assessed and when I asked this, she raised her voice at me and hung up. When I called back to speak to a manager the person hung up before I was connected. I'm really disappointed in this company and outraged considering I've paid my debt and they're trying to collect more funds.

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 09-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Struggling to pay mortgage

Complaint: I currently owe on my mortgage for XX/XX/2017,XX/XX/2017, XX/XX/2017 and now XX/XX/2017. I went to pay my mortgage payment IN FULL today for XX/XX/XXXX payment and the company Mr. Cooper formerly Nationstar refused to take my payment over the phone and said would just kick it back if it was sent in the mail, I am going to send anyway. They told me they could only accept the minimum of 2 payments. I want to make clear that I was paying my full mortgage payment. I am roughly 95 days delinquent and I was under the assumption the payment for XX/XX/2017 would advance my delinquency date, but they will not accept it and I ca n't afford to make 2 payments now.It almost sounds like they are creating a situation that will force me into the foreclosure process. I understand this is my doing but I am trying to work within the system provided and when they told me they will not accept anything less than 2 payments I became very concerned. I was under the understanding that I had 120 days from the initial delinquency date before they could initiate foreclosure proceedings. By not accepting my FULL Payment, it seems very shady at best.I also thought they had to apply my payment as long as it is a full payment. When I asked the 3rd person ( manager ) these questions all I got was that each state operates differently and has different timelines. Please advise on what my servicer can and can not do.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Consumer Loan (Vehicle loan) with Coastal Credit, LLC (PA).
Issue: Managing the loan or lease

Complaint: My car payment is 13 days late. I understand this is not " acceptable '' but I have never fully missed a payment and have paid over XXXX on a XXXX loan. XXXX XXXX, from Coastal Credit has the audacity to stalk me on my XXXX and has also contacted friends off of my XXXX that are not listed as references on my account and have no relation to me. I find this completely to be an invasion of privacy. I am filing this report in hopes of putting a stop to the harassment. When I called him to confront him of his actions he was rude and ignorant. The call was on a recorded line and although I lost my " cool '' after being verbally abused, his actions as a man of business are unjust and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: Our deposits particularly cash and cashiers check were n't given credit the same day and 5/3 rd bank bounced our check deliberately. 
A cop came on the scene when I was denouncing bank practice to the Vice President. I was appalled why did the cop appear when I was venting our frustration. Obviously it shows stupidity on the part of bank staff who called the cop. 

Branch address is XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation