milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Struggling to pay mortgage

Complaint: I was toward the end of my loan modification process and have been paying a new payment since XX/XX/XXXX. When I called to make my XX/XX/XXXX payment, Wells Fargo said that they were waiting for one last piece of the puzzle from me to approve the loan modification. They said they needed a power of attorney paperwork for my father ( XXXX XXXX XXXX XXXX ), who is a co-signer to my mortgage, which had been sent out out. During the conversation to make the payment, I told them that I 'm going to be selling my condo. When I said that, they said that the loan modification is now null and void and my condo is back on foreclosure status.
I requested a payoff quote of my mortgage. When I received the payoff and I looked at the figures, it said I owed XXXX on a condo I paid for XXXX back in may if XX/XX/XXXX.
I was about 11-12 months behind on my mortgage when the loan modification process started. My loan balance was XXXX as of XX/XX/XXXX. As part of the loan modification, HUD took out XXXX to lower my principle loan balance to XXXX thus making my monthly payment lower. When I was looking over loan payoff, they added in that XXXX twice, thus making my loan payoff XXXX. I 've been making faithful payments the first of each month since XX/XX/XXXXand that money is no where to be seen in my payoff. I called them on Friday and not much help at all I almost had a heart attack when I saw these figures I want to emphasize that the reason I fell behind in my mortgage is because I had a bad slip and fallXX/XX/XXXX and have been on XXXX ever since, and have had multiple surgeries I have sent you screen shots of the original loan modification numbers and the payoff numbers

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 10/16/2016 about Debt collection (Medical) with Louisiana Recovery Services Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There are XXXX accounts that are mine and i would like for the credit bureaus to delete this information from my reports. The accounts number are listed as # XXXX under Louisiana Recovery Services. Paid in the amount of {$210.00} and {$37.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Money transfer, virtual currency, or money service (International money transfer) with Meridian Financial Solutions Inc (SC).
Issue: Fraud or scam

Complaint: I SENT A WIRE TRANSFER TO MERIDIAN FINANCIAL SOLUTION XXXX AND THEY NEVER DID WHAT THEY WERE SUPPOSE TO DO FOR ME. I CALL THEM AND THEY PUT ME ON HOLD FOR 45 MIN EVERY TIME AND I END UP HANGING UP AND HAVING TO CALL BACK AND THE SAME THING OR THEY SAY THE PERSON I NEED TO SPEAK TO IS NOT THERE TODAY. WHEN I DO TALK TO THEM THEY LIE AND TELL ME MY MONEY WAS DEPOSITED IN MY ACCOUNT AND WHEN I LOOK IN MY ACCOUNT ITS NOT THERE. IM SO TIRED OF THIS AND I PAID THEM ALOT OF MONEY THAT I DONT HAVE I WANT MY MONEY BACK. THIS JUST ISNT RIGHT WHAT THEY ARE DOING TO ME. I HOPE THEY GET CLOSED DOWN. I AM TIRED OF THIS GAME THEY ARE PLAYING WITH ME. I WANT MY MONEY BACK

Company response to consumer: Untimely response
Consumer complaint received 02-01-2018 about Mortgage (VA mortgage) with loanDepot.com, LLC (WV).
Issue: Trouble during payment process

Complaint: I have a VA loan through LoanDepot. My taxes and insurance are included in my monthly payments and put into an escrow account. My insurance is through XXXX XXXX and has been for over 20 years. For some reason LoanDepot changed my mailing address to my property address, which does not have mail delivery. XXXX XXXX billed LoanDepot when my insurance was due. Loan Depot did not pay. Multiple notices were sent to LoanDepot as well as phone contact by XXXX to LoanDepot. Still the insurance was not paid. My insurance was cancelled on XX/XX/XXXX. In XX/XX/XXXX  LoanDepot placed forced insurance on my loan but did not contact me due the the address change. LoanDepot states their forced insurance policy is a little over {$980.00} for XX/XX/XXXX to XX/XX/XXXX. LoanDepot states the forced policy is {$76.00} per month ( {$920.00} for a year ) compared to {$33.00} per month for my policy with XXXX. My policy with XXXX was a little over {$400.00}. My escrow account by now should have 20 months ( {$33.00} per month ) of insurance payments for a total of {$670.00}. I paid for a year 's policy through XXXX effective XX/XX/XXXX - not to be taken out of escrow but paid in full. Both the policy and paid receipt were sent to LoanDepot, which they admit they have received. A supervisor named XXXX told me after an escrow analysis was completed, I would receive credit for seven ( 7 ) months of the forced coverage and be sent a refund. Today, I spoke to a supervisor named XXXX. He insisted I still owe money for the forced coverage. I had to pay an additional {$130.00} on top of my usual mortgage payment. XXXX also points out that I must provide proof of insurance for the period from XX/XX/XXXX to XX/XX/XXXX. This was not an issue prior to today 's conversation. As stated above the forced coverage was from XX/XX/XXXX to XX/XX/XXXX, it did not cover from XX/XX/XXXX forward. Yet, now Loan Depot is expecting me to pay for forced coverage for months prior to them placing the coverage.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I pulled a credit report and noticed a collection account. It is an amount of 120 dollars. I reached out via certified mail in an attempt to verify debt and even settle since it was a small amount. First Credit Services will not answer me with any information about debt and unfortunately I can barely understand their customer service when speaking over the phone with them. 

Back in XX/XX/XXXX spoke numerous times to trainer XXXX. Informed me only XXXX could help me. So after numerous attempts in XX/XX/XXXX turned my key fob in to XXXX as I was unable to reach XXXX.I have been charged up until XX/XX/XXXX. Even XXXX called me to get my new card security info, XXXX numbers on back of card, which I never gave out but they worked around that as I never gave consent to debit my new credit card. 
Emailed XX/XX/XXXX via online " email my club '' link asking for membership and contract info identifying myself. That email wentunanswered. 

XX/XX/XXXX called XXXX spoke with XXXX who tried to call the XXXX branch but like usual no one was in. XXXX said she would call me back when she heard back but would not give me her extension or direct line to reach her. She never called me back. Several calls later all with no answers I had to cancel credit/debit cards and get new account. Since then it appear as if penalty fees have been assessed. 
The cancellation letter and the amount to collect do not even match.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Car insurance was added and since then was sold and insurance company didnt cancel after it was informed of the sale.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Problems caused by my funds being low

Complaint: I have had several issues with Wells fargo bank. First when they switched over they said that I signed up for things like checking account overdraft and some other programs which I did not. Then they were charging me isf by readjusting the way monies were posted to make it a isf. I have talk to so many representative about these issues and got a different answer are no answers at all. XXXX representative was so disrespectful and unprofessional that I ask for the complaint address. I also believe that they took monies out of my account between XXXX and XXXX. They sent me about XXXX different atm cards at one time said disregard the first ones and sent another set then another set. I was so confused and I never got any straight answers with this bank. I had been with them since XXXX XXXX so I was trying to work with them but I knew they were doing some under handed illegal things. I 'm just glad now that somebody else caught it and did something about it. Please help me with all that you can. I do n't have documents but i can get a print out from the bank from my history. I just want this investigated to see if it was any wrong doing to my account. I always felt it and I knew something was n't right. Please help to to see if i was part of their scam. Thank you for your kind attention to this matter.

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 08/23/2015 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX i purchased my house for {$820000.00} ( firs time home owner ) and later on i found out that is only worth less than {$400000.00} I want some one to investgate this as is very unfair that i have a loan for over {$800000.00} .. I have attached XXXX XXXX document stating the value of the house, XXXX from the year XX/XX/XXXX and XXXX from XX/XX/XXXX. Please open an investigation ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: last week recieved information the transunion has deleted incorrect information on my credit files from CFPB case number XXXX response from complaint, Relief We received your complaint about the XXXX # XXXX in your credit report, and apologize for any difficulty you may have experienced. This item identified in your complaint has been deleted. it was not deleted from all files

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 04-04-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: Citi Bank partners with concerts that come up whereby you can purchase the concert tickets pre-sale if you have a Citi card. If you do not have a Citi card they direct you to an " Apply Now '' button which leads you to believe that if you are approved you will be able to then purchase the pre-sale tickets. Just to make sure I was n't mistaken on anything I went through the entire online process twice ... No where does Citi indicate that you will NOT be able to purchase the pre-sale tickets if you are approved until you receive their credit card which will take 7 to 10 business days. This in many instances is after the presale offer and then the entire transaction is moot if you have to purchase the tickets when they go on sale to the general public. I applied for the Citi card and delightfully I was approved. I searched and searched for a code or temporary credit card number so I could purchase the presale tickets. Much to my dismay ... I received nothing. I spent several hours on the phone with Citi to see if they could assist me through this process but the XXXX different people I spoke with could NOT help and said I must wait for the card in order to make the purchase. I believe that Citi should conspicuously display on the Apply section when trying to purchase presale tickets ... that IF YOU ARE APPROVED YOU WILL NOT BE ABLE TO BUY PRESALE TICKETS UNTIL YOUR CREDIT CARD ARRIVES WHICH WILL AT A MINIMUM TAKE 7 TO 10 BUSINESS DAYS. I feel this was very misleading and now I am unable to buy the tickets.

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 03/26/2017 about Credit reporting () with S.O.S. Loans, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: SOS Loans, LLC has a public record listed on my report as of XX/XX/XXXX. I was never served with any paperwork leading to this judgement. As soon as I saw this on my credit report I called and made arrangements but they refuse to remove from all XXXX credit bureaus. Even though they lied in court to get a judgment i was never notified about. My husband was tragically killed in a car accident on XX/XX/XXXX. I have XXXX children & no life insurance policy for him. I 'm not or never have i ignored there letters but i never received anything from sos loans inc

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Harassment attempts by PayPal to collect debt, they have erased my accounts from their systems and are dodging any attempts by me to contact them to attempt to fix the issue causing discomfort to my parents house which they have been blowing up via cellular communications. Their website and customer service system is designed in such a way that you are unable to get through to speak with a representative or even access the system if you are locked out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XX/XX/XXXX mortgage payment since we would be traveling out of state from XX/XX/XXXX - XX/XX/XXXX. We did not have access to email or US mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip. On XX/XX/XXXX we received notification that our mortgage payment for XX/XX/XXXX was not made in a timely manner and that XXXX reported us 30 days late to the credit reporting agencies. Upon contacting XXXX, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XX/XX/XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from XXXX that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. On XX/XX/XXXX we requested a one time credit suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the XXXX website should have been resolved by the XX/XX/XXXX ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for XXXX to suppress the erroneous reporting based on them having improper contact information and XXXX is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to XXXX or any other creditor in the last 14 years.

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 11/20/2017 about Debt collection (I do not know) with Pan Am Collections, Inc. (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On a number of dates I 've informed this company I do not have a debt with them and to stop bothering me at work. One more time today, XXXX XXXX, 2017, they called me at work and left a collection message on a company voicemail. This needs to stop immediately. 

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 01/31/2016 about Debt collection (Medical) with Synerprise Consulting Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: synerprise has XXXX open accounts since XX/XX/2010. 
XXXX is for {$220.00} dollars an the other is for {$380.00} dollars. 
I have already paid to the hospital.

Company response to consumer: Closed
Consumer complaint received 10/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar LN XXXX XXXX Palm XXXX XXXX XXXX, CA XXXX XXXX XXXX Nationstar and XXXX continue to use horrible pictures ( professional pictures were given to both Nationstar and their surrogate XXXX ) show open toilets. Nationstar and XXXX refuse to use the pictures they demanded that we provide. Instead, they are using photos that appear to have been taken by someone who was drunk. 

The property includes a solar lease that must be transferred to any buyer that wins a bid on this property. Nationstar and XXXX have been told this multiple times and have been sent a copy of the solar lease and REFUSE TO DISCLOSE THIS to potential bidders. 

This is the third time that Nationstar has run this through their fake auction system in a vain attempt to secure a XXXX % buyer 's premium. They want a buyer to pay $ XXXX. There has not been a comparable home that has sold for that price in the last 8 years. 

Nationstar is refusing to provide a copy of the BPO that supposedly supports their opening auction price. We have been told that their value changes on a daily basis, which makes us wonder they are getting this value. Even XXXX shows this home is only worth $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Financial LLC, is playing some kind of game to put me into default on my mortgage. They stopped sending me monthly billing statements back in XXXX ( see last statement, attached ) and although my name is the primary name on the mortgage, and I have written all the payment checks, they sent their default letter addressed to my wife back in XXXX. I paid the balance due plus the next months payment and included a copy of their default letter, noting on it that they were not sending billing statements ( see attachment ). I still, as of today 's date ( XXXX/XXXX/16 ), have not received a new statement from Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Citibank offered XXXX XXXX miles for opening a XXXX account after meeting minimum spend + transaction requirements. 

I met the conditions for receiving the bonus in XXXX and was told by multiple support channels that the miles would post on XXXX. When the miles ( naturally ) did n't post, I was again told to wait until XXXX. As of XXXX they still have n't posted despite *another* letter stating that I was eligible for the bonus.

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 05/29/2015 about Credit card () with FIRST NATIONAL BANK OF OMAHA (CO).
Issue: Billing statement

Complaint: I had previously used a 0 % interest check, in which for several months I had abalance, and I did make timely payments. During XX/XX/XXXX that balance was paidin full, ended with a XXXX balance. My XX/XX/XXXX statement shows a startingbalance of XXXX, I made a couple purchase transactions during XX/XX/XXXX, and alsoa partial payment on my account. I should have had an ending balance of {$40.00}, although I was instead charged {$1.00} minimum interest, as I had abalance I was told, even though the credit card agreement clearly states Ican avoid paying interest if I pay for purchases in full during the billing cycle. 
So the way I understand it, I would have until the due date to pay the $ XXXXto avoid interest. It was later explained that their systems calculated interestif the account was " coming off of a 0 % promo '' even though it had been paid infull timely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief