milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: CONSUMER COMPLAINT RE : DITECH FINANCIALL LLC XXXX ( XXXX ) XXXX RE : PRINCIPAL PAYMENTS & DISCREPANCY ON PRINCIPAL BALANCE The XXXX issues of concern with DiTech Financial are : 1 ) Monthly principal payments of XXXX that are directed to principal payment only are not properly allocated. I have had to call DiTech customer service frequently to request monies to be reallocated to principal payment As a result of my frequent calling, I have been monitoring & printing my monthly on line statements for my record keeping. 
2 ) My on line XXXX 2016 statement shows a principal balance of {>= $1,000,000}, the following month 's on line statement shows a principal balance of {$68000.00} a difference of {$1000.00}. I contacted DiTech via phone and email regarding this discrepancy. They sent me a letter via e-mail indicating my account will be reviewed and a written response would be provided with the 30 days of receipt of my email of XXXX XXXX, 2016. Additionally on XXXX/XXXX/16 I faxed a copy of my XXXX 2016 on line statement to DiTech ; clearly noting the principal balance of {$67000.00} this according to my records is the accurate amount. 
Yesterday, on XXXX XXXX I called DiTech once again, spoke with a supervisor, named XXXX. I relayed my issues of concern again. I shared I have not received a written response nor a response from the XXXX email I sent. She said a written response was mailed out along with audit of my account. I told her I did not receive it. While on the phone with her she e- mailed the written response along with audit of my account. 
The result of their audit shows the principal balance remains as {$68000.00}, a figure I do not agree with. 
XXXX shared the following : mailed statements vs. on line statements do not have the same figures. This is due to the maintenance of my account and payments being reallocated to principal. 
This explanation is not acceptable nor does it make sense. I am very concerned about this company 's business practices. I do not trust how they are handling my monies. As a result of my experience with DiTech Financial, I went on line and found a website with over XXXX complaints regaarding this company which I have included for your review : Top XXXX Complaints and Reviews about Ditech ... 
XXXX I would greatly appreciate your assistance with the issues of concern I have mentioned. In addition to investigating this companies business practices and how they are managing funds. If further information is needed, please contact me on my cell phone. 
Thank you so very much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The hospital    XXXX   XXXX   XXXX   XXXX   erro neously billed me for procedure in the amount of {$1200.00} My son   XXXX   XXXX   XXXX   and  one  of the many doctors who saw him  in ER w as not an  XXXX  provider ... we had no idea about this at the time ... after several attempts to clarify with  XXXX  i then worked with  XXXX .  XXXX  reissued the explanation of benefits. In the interim,  XXXX  sent the bill to collection attorney  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I contacted them and informed them of the error and they made note in the file. I then received a notice in the mail from  XXXX  County New Jersey  Court  case #  XXXX  saying I needed to be in court. I was very worried and set up a conference call between the collection attorney and  XXXX .     A few weeks later i received revised explanation of benefits from  XXXX  saying the amount i actually owed was {$700.00}. Then i received another letter from collection attorney saying there was a " one time '' incentive program with the hospital and I owed {$370.00} which i immediately paid. However, my credit took a huge hit and it is still saying on reports that the claim is still open. How do i correct this misinformation? thanks you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Pretty much, I have XXXX checking account with Bank Of America, XXXX is over drawn due to I did n't have a job couple weeks, but I did told them that I will come in tomorrow to make a deposit to solved the issues, but other account I have money in it, because i started to drive door dash, I was going to use that money to transfer over, but the next day they close my account, I ca n't even used my card to get gas or food, even thought i have money in there. I call them but they were very rude to me. I do n't mind them closing my account but at least let me know or even give me my money back so i can get food and gas. They were very rude to me like i did something wrong, I was in a difficult situation and they were not willing to work with 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 explanation
Consumer complaint received 01/30/2018 about Credit card or prepaid card (Gift card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint: XX/XX/2018 XXXX XXXX XXXX XXXX I have a gift card that was supposed to be XXXX dollars but it says that XXXX dollars only has a balance XXXX cents.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (NC).
Issue: Credit decision / Underwriting

Complaint: My financial hardship began when my husband which I am now separated from abandoned me on XXXX XXXX, 2015. My soon to be ex-husband relinquished all rights to the property which we resided by quit claiming his interest over to me. My husband no longer supports or assist me in any way financially. I obtained the assistance of a housing counselor in order to help me submit a modification request to my Servicer Penny Mac in order to assist me with getting the loan modified to an affordable monthly payment along with getting the account current into my name only. I submitted the modification request with the assistance of my housing counselor XXXX XXXX, 2015. I was approved for trial modification on XXXX XXXX, 2015. I was approved for the Final Modification on XXXX XXXX, 2015 after I successfully completed the trial modification payments. But, the modification papers included me having my separated husband sign the modification documents. The modification request clearly states that I was applying for the modification to have my separated husband removed from the loan along with obtaining an affordable monthly payment which I could afford to pay with my income only. The servicer requested the quit claim deed to show proof that my husband had released his rights to the property. I provided the quit claim deed to the servicer on XXXX XXXX, 2015. Presently, the servicer underwriter removed my Final Modification Approval because my separated husband would n't sign the modification agreement. The Underwriter stated on my denial that I notified the servicer to state that I did n't accept the offer which is a lie. I completed my modification trial plan based upon the fact that the loan would be modified into my name only. He was never suppose to be on the modified loan. The modification was submitted in my name only.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (Credit card) with RGS Financial, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: RGS Financial are calling me nonstop to collect on a debt that i do not recall having with this company.I demand that they cease and desist all attempts to collect the debt.

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 03/22/2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I pay XXXX per month for my loans. I can not afford this. The lender initially helped with income repayment and will no longer assist what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied the Citi Prestige credit card using the link which offers XXXX thank you points after XXXX $ spend in the first 3 month on XX/XX/XXXX, and called the number XXXX to move the credit limit XXXX $ from the Citi advantage master-card to the prestige credit card, and the card got approved. I also conformed the sign up bonus which is XXXX points after XXXX $ spend in the first 3 months during the phone called. I met the XXXX spending requirement on XX/XX/XXXX, but have not received the XXXX points sign up bonus. I called the number on my card back XX/XX/XXXX and XX/XX/XXXX to find helper and the representative stated that I will not received the bonus because there was my thank you preferred credit card was closed within 24 month. Also, She stated that " Youre eligible for the sign-up bonus if you havent opened or closed a ThankYou card of any type in the last 24 months. This includes Citi Prestige,  Citi Premier and Citi Preferred cards ''. But I have never closed the thank you preferred card and never known it had closed by Citi Bank before the phone called. when I log into my Citi Bank account, the thank you preferred credit card is still showed there and there is no any small print which shows the card was closed. I have never received a letter or email from Citi bank to inform me the card was closed. Please see attached. 
If for this reason I was denied the XXXX points bonus, it sounds not fair and reasonable for me. They closed my credit card account and told me that they will not offer the sign up bonus because my one credit card account was closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Conns has been calling from different numbers up to 20 times per day. I have explained to them that I was under the impression that I had payed the account in full and needed a few days to look back over my financial records. Within 8 hours of telling them this they are already calling back XXXX three times per hour from different local numbers and I have called the numbers back after getting off the phone with them or after my so. Had answered a call from them and the numbers are not in service. They are harrasing and threatening me. I have told them I will call them once I have a chance to pull my bank records from 3 months ago. They wo n't stop harrasing me. What do I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Regarding Santander Bank ( XXXX, NJ Branch ) On XX/XX/XXXX, my father ( the account owner ) XXXX. On XX/XX/XXXX I notified the bank of his passing, settled his $ XXXX total negative balance, bringing it to XXXX, requested to close the account. The account was not closed. Instead, the bank closed my mother 's savings account, which she was receiving her Social Security check direct deposited. Regarding XXXX : On XX/XX/XXXX, my father ( the account owner ) XXXX. On XX/XX/XXXX I notified the bank of his passing. An auto-pay continued to draft {$270.00} from the previously mentioned Santander Bank to XXXX. I notified XXXX of this post-mortem auto-pay, and they have not canceled / refunded it. I then contacted an Account Manager and emailed him a record of the Santander auto-payment to XXXX, and nothing as been remedied yet. Neither bank seems willing to help remedy this situation, and Santander Bank continues to charge {$35.00} insufficient fund fees, as well as keeping the account open, due to the new negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX broke their " contract '' with me. They would not give me a copy of their contract. I made an audio recording of our agreement and when I played it back, it did not agree with their recent comments. 
They would not send me a copy of the " contract ''. Their installer came to my home and installed a new modem. Under the " in place '' agreement, till the end of agreement, I was under free modem, till the contract ran out. They broke contract. Also, their installer stole one of my personal units. Value+ {$160.00}. XXXX did NOT want to hear any of my complaints, only wanted money.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (I do not know) with Collections Acquisition Company, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently discovered that XXXX XXXXPayliance is  reporting a debt of {$200.00} on my credit reports after applying for a mortgage and was denied. I have never done business with this merchant and do not owe the amount they are claiming I owe. Upon contacting XXXX XXXX the advised me that it was a result of a returned check. When they verified the bank it was check written on an old account I had closed due to misplaced checkbooks. I have tried multiple times via credit bureau disputes and through assistance of credit repair company but XXXX XXXX keeps stating that they have verified this debt belongs to me without providing any identifying information such as my social security number, DOB, or  legal binding contract. I even offered to pay the balance if the agree to delete the negative in accurate reporting and the refused ( even though the debt does not belong to me )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Payday loan, title loan, or personal loan (Installment loan) with Velocity Portfolio Group (CA).
Issue: Charged fees or interest you didn't expect

Complaint: Dear Sirs : I entered into an agreement to take out a {$20000.00} Loan with XXXX XXXX XXXX. The amount of money deposited into my bank account was just a little shy of {$18000.00}. During the course of applying and their underwriting of this loan their was never a discussion of a nearly {$2000.00} fee for the loan itself. I tried discussing this with XXXX XXXX and they ignored my requests for cancellation of the this loan. I have stopped paying on this loan after approximately 14 payments of {$750.00}. Currently my loan has been sold to Velocity Investments LLC. Their mailing address is XXXX. XXXX XXXX, XXXX, N.J. XXXX and physical address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, N.J. XXXX. Their email address is XXXX. My original account # is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: Experian has on my credit file as {$770.00} written off and there was no money written off on this account. 

I have provided from XXXX XXXX proof there is nor any money owed or written off. 

I have mailed document from XXXX XXXX showing there is no written off nor any money owed on this account. 
I need from Experian something showing there is or was balance owed as I have provided a letter showing there is no balance owed on this account.

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 10/16/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CITIBANK, N.A. (ND).
Issue: Fraud or scam

Complaint: Citibank XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Wire transfer for {$5000.00} on XXXX/XXXX/XXXX. I have tried contacting this man, I have contacted the police in XXXX XXXX, CA and no such person exists according to their records. He has presented a fraudulent identity and needs to stop. I have mailed him through regular mail and also registered mail and it gets returned. I want his bank account frozen and my money returned. He 's a thief.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: There was a massive data breach with Equifax, and I checked their site and I was told that my personal data may have been compromised. 

I 'm unsure of the date of the breach, but I first became aware of it on Friday, XXXX XXXX 2017. 

I placed a 90 day fraud detection alert on my account with the three major companies. I also got a free credit report from XXXX. Filing this complaint is the last step I plan to take at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Medical) with Preferred Collection and Management, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Yes, the credit dept say the company ask them to keep the fraud on my report in have me company them i have contact them a number of times in this has n't not been remove from my credit file which makes this more outrageous is i have been on XXXX since i was born in XXXX and XXXX both pay all my health care bills on by somebody use my name in a fraud this bill was n't pay for but the collection agent trying force me to pay something that was n't done by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I performed the following actions when applying for a Chase XXXX credit card : 1. In early XX/XX/2018, I was in the process of purchasing two round trip tickets from XXXX  XXXX to XXXX XXXX when I saw the application link for a Chase XXXX credit card. The link clearly stated that I would be reimbursed {$100.00} toward the cost of my flights if I completed an application and made a purchase with the card. 

2. I followed the link and completed the application process. 

3. I was not provided instant approval and postponed my purchase pending receipt of a chase credit card. 

4. I received my card on XX/XX/2018, and completed the purchase of my flight tickets on that day. 

5. I met all the requirements listed on the application link to receive a {$100.00} statement credit. However, there was not a credit on my XXXX statement from Chase. On XX/XX/2018 I notified Chase of the issue. 

6. I exchanged numerous emails with Chase, however, they refused to provide my {$100.00} credit and have provided no explanation. The response I received was : " We're sorry for the inconvenience caused. It is not our intention to make it difficult for you to earn enrollment bonus offers on your account. We'd like to share with you that there are offers only available to customers on XXXX who are in the process of purchasing an airline ticket. The offer may be presented in a banner advertisement after the customer has selected to purchase a flight. '' In good faith I tried to meet all the requirements of the Chase credit card offer. Chase has refused to honor the offer terms. The explanation from Chase is that I should have filed the application on XXXX while in the process of purchasing an airline ticket. That is precisely what I did do.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: on XX/XX/2018, my account was compromised by a hacker from Brazil. He presented charges to Suntrust against my checking account for {$100.00}, which was denied. The hacker then presented for charges to Suntrust for {$200.00} and this was also denied. The hacker tried again and presented for charges to Suntrust for {$400.00} and {$2.00} and Suntrust paid the hacker these XXXX charges. I suspect that Suntrust paid the last XXXX charges totaling {$400.00} to overdraft my account so that Suntrust could profit from the overdraft fees. I must mention that all of the charges were done in succession ; XXXX after another. Now my checking account is in the negative and charges for bills that normally come from that account are creating additional overdraft fees, charges, and withdrawals from my savings account. This is the second time that Suntrust has been negligent with my funds and information. I did receive a telephone call from the Suntrust Fraud Division AFTER it paid the XXXX fraudulent charges.

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