milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2017 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I am filing this complaint on behalf of my mother who is the mortgagor/debtor with Nationstar Mortgage. Simply put, mortgagor is disputing a {$43000.00} charge against her account. Nationstar has unilaterally charged the account by taking 18 % of insurance proceeds, which totaled {$240000.00}. ( {$43000.00} = 18 % x XXXX ). Insurance proceeds were the result of a fatal fire that totally destroyed the home. 

Nationstar has explained that the charge is routine and that it paid a vendor to service the account and/or maintain the property. However, Nationstar has failed to produce documents, such as canceled check and invoice, to substantiate the charge ; nor did mortgagor ever receive proper notice of this charge. The {$43000.00} only came to light after mortgagor requested an accounting of the mortgage. 

As reflected in attached documents, mortgagor believes she is owed at least {$70000.00}, as opposed to {$26000.00} as asserted by Nationstar. Please help me in determining the validity of the charge and/or crediting the disputed amount back to mortgagor.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (MD).
Issue: Managing the loan or lease

Complaint: American Credit Acceptance and I had a car loan out, I then traded the vehicle in to XXXX XXXX XXXX in XXXX XXXX MD In XX/XX/XXXX. The dealership has since then made the final pay off amount to them and the continuously report that there is still a balance. the dealership sent the check via XXXX and gave me the tracking number of XXXX and the check has been signed for at their facility. I have disputed this for months and they continue to report. I have sent validation letters and made numerous phone calls. As of now they have my account in repo status and reporting as almost 130 days passed due. I have even faxed over trade in contracts from the dealership. I would like this removed form my account and the remarks to be cleared as well.

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 12/20/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Trouble during payment process

Complaint: Caliber Home Loans mislead me regarding their claims disbursement process regarding property damage loss. This misleading, resulting in me paying for repairs to my home that my homeowner 's insurance company provided funds for, prohibiting me from affording my mortgage payments. Caliber Home Loans has breached their implied covenant of good faith and fair dealing.

After suffering damage to my home, my homeowners insurance company paid {$5200.00} to make the repairs. The claim funds was made payable to myself and Caliber Home Loans. The original contractor I was working with was no longer willing to accept payment according to the Caliber Home Loans disbursement process. As a result of this change in contractor, I informed Caliber Home Loans that I would have to pay these contractors using my personal financial resources. 

After having the 50 % inspection, I received a check in the amount of {$980.00}. 
Previously a Caliber Home Loans Loss Drafts Department employee told me that after having the 50 % inspection, they would release 50 % of the remaining funds, followed by a 75 % and 90 % inspection and the remaining funds would be released similarly. This was n't the case, they claim that they meant that after the 50 %, they would release another 25 % disbursement so I would have received a total of 50 % disbursement. As a result I had to pay general contractors out of pocket without receiving full reimbursement from Caliber because they released an amount lower than expected.

Due to the severity of the property damage, and without the insurance money, I was forced to continue using my own financial resources to repair the property ; preventing me from having the funds to pay my monthly mortgage payment to Caliber Home Loans Despite me submitting letters and receipts showing how much money I had paid out of pocket, and as a result of paying the general contractors out of pocket, I have not been able to make my mortgage payments, and Caliber filed for foreclosure as a result. I have contacted Caliber Home Loans rega
rding this matter on the following dates : 1. XX/XX/XXXX ( phone call ) 2. XX/XX/XXXX ( phone call and letter ) 3. XX/XX/XXXX ( letter ) 4. XX/XX/XXXX ( letter ) 5. XX/XX/XXXX ( letter ) 6. XX/XX/XXXX ( letter ) 7. XX/XX/XXXX ( letter ) There attempt at resolution was to have me file for another loan  modification. Why should I have to do that because they made a mistake in their communication and I stuck to the loan terms by having the repairs made to the property, despite not receiving the loan proceeds that they are holding XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NAM National Arbitration and Mediation (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was told today on the phone that an old cell phone bill from 2002 I am going to be sued in XX/XX/XXXX for this debt, I was told the collection agency is n't suing me, its going to be litigated which has no statue of limitations.

Company response to consumer: Untimely response
Consumer complaint received 09/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2015 my attorney submitted my most recent updated financial information to my servicer SPS. On XXXX XXXX, 2015 SPS gave my attorney a list of items they needed for my review. My attorney then forwarded all requested paperwork to SPS and then on XXXX XXXX, 2015 my attorney confirmed SPS had a complete application. On XXXX XXXX, 2015 SPS advised my attorney that they needed clarification on some of the bank statements for deposits of rent and my husbands contribution. On XXXX XXXX, 2015 my attorney again confirmed all paperwork was complete and no additional documents wer needed. Then on XXXX XXXX, 2015 SPS stated the paperwork sent was not clear enough. Everything was faxed again by my attorney on XXXX XXXX, 2015 and XXXX XXXX, 2015. On XXXX XXXX, 2015 SPS spoke with my attorney and now states they want everything again, but updated. Per my attorney and per RESPA Reg x, SPS was supposed to review my file for assitance within 30 days of having a complete file. My attorney has verified SPS had a complete file on : XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. They continually string me along stalling and then asking for the same paperwork over and over. They are evading reviewing me for assistance by simply allowing the paperwork sent to expire and then asking for it all again. RESPA Reg x was put into place in order to stop this type of behavior, per my attorney. They can make a decision based on the paperwork they have in hand. Three times in the past 60 days they have had a full and complete file. I would like them to stop stalling and make a decision. The last time they confirmed they had a complete file was on XXXX/XXXX/15. The paperwork I sent in XX/XX/XXXX was valid through XXXX/XXXX/15. I should not have to send the newest paperwork over and over and over simply because they are stalling or not underwriting my information in a timely manner. My situation is not that complicated. They are making it complicated on purpose in order to evade reviewing me for assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Mortgage (VA mortgage) with NEW DAY FINANCIAL, LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was thinking of refinancing my VA mortgage. I called a few brokers and they quoted over the phone and via email some rates. I decided to call XXXX XXXX, I have seen many of their TV ads. I talked to a XXXX XXXX XXXX XXXX over the phone and asked him to quote his rates for a 30 yr fixed. He informed me that he " did not have the rates '' but if he asked me a few questions that he could give me those rates. I informed him of my approximate credit score and told him that all I want is the rates. I told him I did not wany him to run my credit, He told me that if my credit score was as high as I said that running a credit check would not change them. I gave him the info he needed and after he gave me the rate I told him that I was not interested as the rate was 1 point higher than some of the rates I was quoted. Under no circumstances was I interested. 3 days later I received an loan application all filled out with a loan number, as if I was applying for the loan. They did not even have the courtesy to mask my and my wife 's SSN, I then received a phone call from them asking why I withdrew my application! They have sold my info to other companies because I am getting a phone call from other companies almost daily.I was never told nor did I give them permission to fill out an application, I am sure this effects my credit score and history, they had no right to do this, I feel they are taken advantage of veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Mortgage (Conventional fixed mortgage) with Pacific Union Financial, LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage subservicer ( Pacific Union Financial ) changed to another company ( XXXX dba XXXX ) and I only received a 3 day advance notice. As a result, I already scheduled the payment to Pacific Union and I might incur late charges trying to get the payment to the correct company. Is n't there some sort of standard notification when this happens?

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 08/14/2017 about Debt collection (Medical debt) with Ability Recovery Services, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Hello my name is XXXX XXXX DOB XX/XX/XXXX. Ability Recovery Services LLC ( XXXX ) contacted me on my cell phone. The first I heards of this debt was in XX/XX/XXXX/XX/XX/XXXX. I attempted to gather information regarding this debt ( {$1300.00}, account ID XXXX ) because I know very well what my family owes and this debt is not one of our debts. As I began to ask questions regarding the debt the representative told me this was a visit to XXXX XXXX XXXX XXXX XXXX on the first few months of the year XXXX. I informed her I XXXX XXXX have not visited a medical place in XX/XX/XXXX much less located in XXXX XXXX. The representative then asked me are you not XXXX XXXX DOB XX/XX/XXXX and this was a visit to this clinic in XX/XX/XXXX???? I responded absolutely NO! She then began to ask me what my date of birth was and I was very suspicious of these people trying to pin this debt on someone with the same name so i did not offer any personal information ( please do not share any of my personal information to them ). I did state to them this was not my debt and i was not paying for it, her response was then will see what you 'll do when it gets on your credit reports. I am outraged at his company and how they are trying to pin this debt on me and i did not even get sick in XX/XX/XXXX and i have not visited an urgent care center or nothing alike in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Transunion to inform them of unauthorized inquiries made on my credit I was a victim of their inquiry issue they said nothing could be done

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 12/28/2016 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage on a home with Santander Bank. The mortgage is for {$160000.00}. The mortgage was originally issues by a small local bank called XXXX. The property is in XXXX, XXXX. 
The original mortgage was an " interest only " mortgage. Several years ago the XXXX Bank was taken over by Santander and I was suddenly a Santander customer. 
My monthly payment had been roughly {$1200.00} a month. 
Last month I received a statement from Santander. I immediately noticed that my monthly payment had more than doubled. 
My issue is as follows : Santander gave me NO NOTICE that the " interest only phase '' of my mortgage was about to end. So this new monthly statement came as a complete shock to me. I know that other banks send out multiple letters to their customers -- -starting a year in advance -- -advising/informing the customer that their payments are about to " balloon '' -- - I received nothing to that effect from Santander. If I had known this was going to happen I would have attempted to modify/refinance my mortgage. 
When I call Santander I am unable to get anyone on the phone who can address this -- -All they do is ask for payment. I will loose my home because I can not afford the increase. Santander, like other banks, must in some way be REQUIRED TO NOTIFY its customers if the nature of a mortgage is about to RADICALLY CHANGE. Can you please help me deal with Santander. They seem oblivious to this issue and their part in it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I applied to for a modification of my loan and got approved for a monthly payment of {$2900.00} which is more than 31 % of my income. There was no explanation as to how the mortgage company got that figure or how the payment is going to be distributed. 
I can not afford that high payment and will like any help available.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (PA).
Issue: Other transaction issues

Complaint: I have now and have had an account with Paypal since 2008. I have always funded my paypal purchases with my bank account. A little over a year ago I was making a purchase and continously received a pop up for what they were calling paypal credit. I clicked on the link interested in seeing what it was about and to get more information. I was instantly signed up and the payment was made on my behalf utilizing the paypal credit. I attempted to contact someone on several occasions and my emails were either ignored completely or I would receive an email back with their policy copied and pasted but never the opportunity to speak with a representative. Over the next year I continued to utilize paypal unaware that pretty much every purchase that I was making was then being defaulted to the paypal credit. I again tried to reach out to someone in Paypal customer service again I was unsuccessful. I had he funds available and did not want Paypal credit. I do not think that I should have to pay them for this unethical practice to trick its customers into accruing debt. I'd used Paypal for 5+ years prior to this with no issues and had no problem paying from my account. This trick to get people to use their credit and in turn run up debt is sad and should be dealt with immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred from XXXX to Caliber Home Loans. The first payment due on my account was XX/XX/2016. I made three payments via online banking ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) prior to the transfer. The second payment was applied as a principal reduction so it did not advance my due date according to the statement I received which was fine since we intend to make XXXX payments a month. The third payment to XXXX sent on XX/XX/XXXX was returned to me by my bank and credited back to my bank account on XX/XX/XXXX because their was no active account for the money to be applied to. I " resent '' the third payment to the new company, Caliber on XX/XX/XXXX and have continued to make payments to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX. Problem # 1 ... According to my statement, the payment sent XX/XX/XXXX was applied to my account but reversed and entered into unapplied funds, then there was an escrow disbursement for it. I called Caliber to question it and was told they received an invoice from XXXX that they were owed a payment, so Caliber sent them a check. So, my account received no credit for that payment. Problem # 2 ... The balance on my mortgage with XXXX at the time of the transfer was a certain amount, but when I received my first statement with the new company the balance increased by {$460.00}. The due date on the account also varied by XXXX month. With XXXX I was due XX/XX/XXXX, but Caliber was showing me due XX/XX/XXXX. The due date is not a concern to me since we are paid ahead, but I believe this is part of the problem. Problem # 3 ... I 've been in contact with Caliber to discuss my account and the issues with the unapplied payment and balance difference. I 've sent them a bank statement that included all my {$1100.00} payments made for my mortgage account that was requested. I 've requested from Caliber a life of loan history three times. They said it would include my pay history with Caliber & XXXX. I 've requested my account be credited for the unapplied payment, the balance difference from the transfer and a credit for interest I 've overpaid since they reversed my payment. I have n't received the complete payment history. I have n't been getting call backs nor have I seen a credit on my account. I do not know what I can do now to get this resolved and would appreciate any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: FedLoan serving has reported late payments of up to 160 days on my student loan account which is currently in good standing. During the time of all the reported late payments, the loan was in forbearance. I contacted the agency to request the information be updated to reflect that there were no late payments ( as no payments were due while in forbearance ), and was told that they could not do so. I then file disputes with all XXXX credit bureaus, at which point the disputes came back stating that the information would be unchanged. These late payments are preventing me from obtaining a first time home buyer loan and are proving extremely detremential to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Bank account or service (Checking account) with BANK OF THE WEST (KS).
Issue: Account opening, closing, or management

Complaint: I was under the impression that I could open up a checking account with Bank of the West, especially considering they are a local branch with XXXX locations in my very city. I think its ridiculous that they do all these advertising and then deny someone with XXXX credit score. I should be granted this checking account so I can set up direct deposit through my employer and use this account for everyday use. Why would you push away a local person to bank with you? This was false advertising for 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 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Trying to get a credit freeze at TransUnion. I mailed in all the information they said I needed ( drivers license, current bills ], etc. etc. ). 

I tried to do it online but their web site would not work for me. 

I tried to call them many times, but of course that was fruitless. 

Finally I got a form letter with a form to fill out and submit all the information that I had already sent to them before. 

Clearly they do not want to help me. 

Of course I could not get through on the phone. 

I will let my congressman know of my problems also. 

This is the same experience I have had with XXXX and XXXX. 

They should be required to give everyone an automatic freeze and let us opt in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX  refuses to remove a foreclosure from my credit report even though it is well past t he 7.5 years beyond the FCRA Date of Compliance. Under FCRA 609 ( a ) ( 1 )  I did request and receive a consumer disclosure file from each CRA in  XXXX  which detailed the Date of First Delinquency an d Date of Compliance as   XXXX / XXXX / XXXX  as reported by the loan originator,  XXXX   XXXX   XXXX .      XXXX  purchased the loan from   XXXX    XXXX   XXXX  and at th at time re --  aged the terms of the loan which is illegal and is being reported to the CA State Attorney General, BBB, and FTC as part of this complaint. The unethical and illegal behavior which  XXXX  continues to harass borrowers with to extend the dates is ludicrous.

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 10/17/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: This debt is not mine i have asked numerous times it be deleted. Im harassed and my family. Says it was opened XXXX which is not true. {$1000.00}

Company response to consumer: Closed with non-monetary relief