milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I was faithfully paying my mortgage payment from the time, Ditech Financial took over and transfer our notes from XXXX. No missed payment nor late payments as a proof, I can send all evidences of all my mortgage payments in the future. We kept on sending our mortgage checks to Ditect before the XXXX of every month as stipulated from our Deed of Trust, unbeknownst after researching from our bank account 's that our last mortgage check was only cashed since XXXX? We continued to send mortgage payments from XXXX and XXXX and Ditech never cash out anymore those mortgage payment checks we sent to them? I am a XXXX and my work schedules were so hectic besides taking care with my little children. Therefore, I communicated with them through mail immediately. I was asking why Ditech does n't want to cash our XXXX and XXXX mortgage payments checks and they want my homestead to proceed on for foreclosing in which me and my husband will not allowed for any reason. Therefore, we requested Ditech to process our Loan for the Federal Home Affordable Modification Program that is still available until XXXX and until now Ditech is not yet responding from our request until this moment. XXXX had done their abusive collection tactics by their agents in posting notes of threats in front of doors of our home. I am requesting for your good office to investigate the unlawful conduct of on their repeatedly harassing and abusive collections on our property that our members of our family were threatened while we were out of work. They always come inappropriate hours. They always come even after I have communicated Ditech by mail. They repeatedly doing their illegal debt collection practices. I appreciate so much for your cause of helping us under your provision on protecting homeowners as well consumers from Mortgage Companies based on your discretion under Consumer Financial Protection Bureau on Debt Collection Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: GLA Collections re-added a deleted entry back onto my XXXX and XXXX credit reports despite being removed prior. They violated the Fair Credit Reporting Act 611 USC 1681I Section 5B in relation to requirements relating to reinsertion of previously deleted material. GLA never notified me of reinsertion, nor did XXXX or XXXX ever alert me in writing or any other method.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit card () with CITIBANK, N.A. (HI).
Issue: Billing disputes

Complaint: A few months ago I discovered an unauthorized charge on my credit card statement for {$240.00}. I contacted the merchant regarding that charge, but unfortunately they ca n't explain or provide any explanation about it. I never gave authorization for this charge. So I went ahead and opened a dispute with my bank. Merchant sent to the bank fake receipts. Prices are higher than we agreed, and other services that I did not authorize. I wrote a letter to the bank with my explain the situation. Nevertheless, the bank charge me whole sum and advised me to solve the problem with the merchant. What can I do if a merchant is dishonest and deliberately charge me the extra money? I 'm not authorized these services and I did not sign anything. Please refund me my money.

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 03/23/2016 about Mortgage (Other mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Loan modification,collection,foreclosure

Complaint: The home at XXXX XXXX XXXX XXXX, XXXX, TX XXXX is part of the XXXX XXXX XXXX XXXX XXXX. The owner became past due on his assessments but then passed away in XXXX 2015. I am the XXXX and notified the mortgage company, PHH Mortgage Corporation of his death in XXXX 2015 after finding that his children did not plan to take the home. I have been in touch with PHH Mortgage at least monthly but as often as weekly to voice the Board of Director 's, neighbor 's, and my concerns about the home as the water has been turned off so the yard/trees are dead and there are rats in the overgrown vegetation/empty house. In every correspondence, I have have requested that they expedite foreclosure as obviously the deceased is not going to be making payments. The house 's condition has continued to decline. The XXXX has started baiting the house for rats, we have spent close to {$900.00} so far in treatments. We have also started mowing the lawn. We can not water the lawn or help with the foundation that is cracking. There are stones falling off the home because of the foundation 's condition. This home is in a very affluent neighborhood XXXX. The house would sell very quickly as all the homes in this community do. This home is on XXXX the larger lots. I have explained all this to the mortgage company. The owner passed away over 1 year ago. The XXXX is now owed {$12000.00} post bankruptcy on this home. The other owners are paying for the demise of this home not only with their assessments but with their property values.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: The account is closed & has been closed for years. I have disputed to get it removed off my credit reports & it has n't been removed

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 12/30/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On Friday, XX/XX/XXXX, my brother called me stating that American Express had called him phishing for information, where i work, whats my work number. He told them he did n't know me after a long period of time. I called American Express two weeks ago to explain to them I would be out of work on XXXX XXXX  XXXX due to XXXX XXXX. They did n't want to help me although I have been a valued customer since XX/XX/XXXX. I have been making payments on my account but not what they want. 
If I do n't have the money to pay the bills in full or what they want what am I supposed to do? I pay what I can and that 's not good enough for them. 
If they have a problem with me, calling family members is not going to resolve this issue. 

I am getting in touch with the Attorney General 's office of Florida to report this abuse. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (I do not know) with States Recovery Systems, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent a letter to this company. They are still reporting this incorrect information on my credit report. It is ruining my credit

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 12-03-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: In XXXX Bank of America gave us a line of credit. During the recession XXXX we started to draw funds from the line of credit. When the amount drawn totaled {$72000.00}, Bank of American withdrew the facilities and demanded payment of the balance. We were unable to meet the demand. XX/XX/XXXX, Bank of America obtain a Judgment of {$97000.00} against XXXX parties. On XXXX XXXX, XXXX we offered through the Bank attorney 's office to settle the judgment in full for {$40000.00}. We made the payment of {$40000.00} and received an acknowledgement that the payment was for full settlement. The Bank accepted the offer and instructed their attorney to draft settlement documents and the release of all parties. Two weeks later the bank reneged on the agreement. They stated they would change the terms for the agreement they had previously given their consent. 
They now will give partial release for only XXXX of the XXXX parties. We stated that they can not change the terms of an agreement after they had accepted {$40000.00} check for settlement. Nevertheless Bank of America proceeded to change the agreement and insisted that we sign a statement confirming that we had willingly and voluntarily accepted the violations to accept that partial release the bank again insisted that we sign a document require us to abandon all legal rights. We advised the bank through their attorney 's office that these documents were signed under duress. On XX/XX/XXXX Bank of America sent us a demand notice demanding {$66000.00} as final payment of the agreement they violated.

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 09-06-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Winklevoss Exchange LLC (CA).
Issue: Money was not available when promised

Complaint: On XXXX XXXX XXXX I Initiated a wire transfer to GXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX ) Using the wire instructions provided. I received an email the same day concerning my wire transfer and the requirement for additional information. I provided the information immediately and waited for a response. The funds in the wire were accepted by XXXX  and withdrawn from my checking account the same day however my account with XXXX was NOT credited with my funds. It has now been a WEEK and XXXX support has failed to communicate with me about my wire IN ANY WAY. I now have learned others who have been left in the dark about their wire transfers and their funds being held from them for NO REASON and XXXX has failed to provide any reason to others as well. 

I have sent over 10 emails, tried social media all which have failed.

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 04-01-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My student loan servicer, Navient, continues to have long response times to online customer service inquiries that require telephone follow-up calls. The response time to messages sent via their website has grown in excess of one month, and the last three messages have gone completely unanswered. Calling Navient by telephone requires navigating a complex IVR system that will not route you to an agent for the first five minutes of the call. This all culminates in a very time-consuming and frustrating customer service experience. 

I feel that Navient should be held to certain customer service expectations and staff appropriately to meet customer demand. Waiting months for a response via their website, which is the method of contact they repeatedly recommend, is simply unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: We had an approval letter for this file but the buyer walked away. I sent a new contract on XX/XX/XXXX but I am getting no response. We would like to transfer this so we can get this closed asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The company Equifax has collected sensitive and unchangeable information about me such as : SSN, credit card numbers, ID, bank account numbers. 
I have never authorized Equifax to collect my personal information. 
Furthermore, Equifax divulged my information without consent through negligence in safety measures on their databases. 
The information lost can not be changed, is permanent and sufficient to steal my identity. It is a permanent damage. 
To add insult to the damage, the company offers paid monitoring to " control '' the permanent damage they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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: XXXX and Transunion refuse to remove fraudulent inquiries on my Credit Report. On XXXX XXXX 2017 I sent letters to all three Credit Reporting agencies describing my problem accurately, request for removal, a copy of Drivers License, a copy of Social Security card, and a recent copy of utility bill to validate claim. XXXX  removed every fraudulent inquiry immediately. Please help me with XXXX and TransUnion. Thank you for your time.

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 01/26/2018 about Mortgage (Conventional home mortgage) with THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND (OH).
Issue: Struggling to pay mortgage

Complaint: I XXXX XXXX Pro Se litigant have asked to see the Original Promissory Note ( front & back ) since the very beginning of this housing dispute XX/XX/XXXX, after being denied a partial payment XX/XX/XXXX in person at the branch, and have been denied repeatedly, i have had no fairness in any of this, I've been steamrolled, and no one will hear me out. 
The staff involved has ignored every motion and anything else that I've placed into the docket, I've even reached out to the CFO of XXXX XXXX XXXX XXXX XXXX XXXX sending them a Money Order registered mail XX/XX/XXXX in the amount of {>= $1,000,000} ( to resolve things and have this foreclosure dismissed ) presenting it under ( Administrative Process ) through a Notary Presentment ... I've received no response back nor the Money Order was returned, according to UCC rules 4-104, A, B, they had 24 hours to refuse or except and neither was done. 
Everything I've put into this ght has been Underminded and disregarded by those above, I'm ghting to stay in my home, with no where else to reside with my family. but every time i look into the docket they've proceeded with something new, I've even led an appeal just XX/XX/XXXX and prior to the appeal, the the attorney XXXX XXXX has proceeded in certicate of title, order of sale to sheriff, and just yesterday XX/XX/XXXX it states that an appraisal has been done on my home as of XX/XX/XXXX and i had no recollection of this?? i don't understand how was this done without approaching me? 
They are moving very fast to steal my home, knowing very well they having no Standing .... during this nightmare I've repeatedly taken my Acknowledgement, Acceptance, And Re-Conveyance Of Deed, My Act Of Expatriation, Domicile, Declaration, And Allegiance, Certicate Of Acknowledgment downtown to the scal ofce to be rejected.. and have had all 3 documents recorded outside of Ohio, because the Fiscal XXXX County building states they are not to be accepted, so after i had these same documents recorded in ( XXXX County Georgia ) , it is said that any recorded instrument is to be recorded in its county ofce seeing its already been recorded. 
Yet I've been refused once again at the fiscal XXXX county building here in XXXX   ohio.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Debt collection (I do not know) with MacDowell & Associates, Ltd. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: After being discharged from bankruptcy on XX/XX/XXXX. This particular law firm that harassed me all through the process was able to go back to the courts and claim that they have tried to reach me through mail and had sent the marshals to serve me all in the months of XX/XX/XXXX thru XX/XX/XXXX. None of which is true. I have lived in the same complex since XX/XX/XXXX. They claim is I owe {$1400.00} for a apartment where I once lived. This was in my bankruptcy. They have contacted me back then through different agencies. So since they made claim that they tried to contact me, they were able to have a Judge place a judgment lien on me. I only learned of these actions through a credit monitoring account I have. By the time I found this out it was too late. How ever I did reach out to the firm that represented me before and was told that he would try an get to the bottom of this and get it straightened out. But I have had no response from him. My rights have been so violated. I went thru all the steps required in my bankruptcy, and still this firm who has no regard for my rights have gone after me under cover and won..!!! What do I do..??

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Massive data breach involving consumers personal credit information by Equifax!! Ridiculous and this needs to be addressed and a reckoning. I am dumbfounded how my personal information could be compromised by a large credit reporting agency and expect something to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I got another statement today with funds misapplied again. I am attaching the statement I received and I had to call to have the funds properly applied. I had another complaint filed and they continue to misapply funds and I have disputed their findings on your website. I ca n't get any results. Someone has to challenge them to do things correctly. I ca n't get them to contact me and get anything right. My previous complaint was [ Case number : XXXX ].

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with NELNET, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have a few student loans that 's not matching up & I checked  my credit score to   find an unfamiliar address that I 've never lived or used on my report. There 's no way this could be a mistake being as tho all my student loan information should all be the same. I believe that some foul play is going on with  XXXX   XXXX   XXXX  in  XXXX   XXXX  & I believe that 's where the address came from. I 've never lived at  XXXX   XXXX   XXXX . In  XXXX   XXXX  Maryland. I 'm not even sure exactly where it 's at in  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Shopping for a loan or lease

Complaint: They will not refinance my auto loan, but will refinance anyone who comes in from an outside company. This is discrimination and the company being greedy over money basically saying they will not help their own customers. And they would not lower it during the buying stage of the process either even though I doubled my down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Trouble during payment process

Complaint: Sometimes ago I contacted your office regarding the Loan Modification Deferment. A check of my statement does not show that the deferment were made. I am entitled to 3 deferments. According to the contract if I pay timely I would get three deferments. The 1st one was done ( See attach  statement XXXX ). The next two were not done until after my complaint in XXXX XXXX. However the XXXX and XXXX XXXX statements does not reflect the deferments even though XXXX XXXX said it was done ( See attached statements for both ). In XXXX, the Principal balance was {$220000.00} ; On the statement for XXXX, the principal balance was {$180000.00} ; Def principal : {$65000.00} ; Defer {$110000.00}. Had Ocwen removed the Def {$110000.00} the monthly payment would have decreased because I would be paying on the XXXXr principal. It is not clear how Ocwen comes up with the Principal if all the deferred were applied.

Company response to consumer: Closed with explanation