milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern : I had a loan with Nationstar Mortgage since 2010 I was selling my home and I missed 2 payments and had set up a repayment plan and paid the first of 3 installments. I had an offer on the house as it was for sale and talked frequently with Nationstar as we got closer to closing and even though I missed payment 2 of the payment plan I told them the closing date was just 15 days after the payment was due. Then XXXX XXXX from XXXX called to get payoff and all documents needed for closing, the day after that happened Nationstar all of the sudden put {$4700.00} in legal fees 5 days before closing after I had been in constant contact with them. No one from Nationstar or the Attorney themselves can justify what was done for the {$4700.00} XXXX also looked up my home and there was nothing started or posted about a foreclosure on my home. I have paid off this loan and am disputing with Nationstar about the fees but they are giving me the run around and are not providing any documentation as to what the fees went to. I admit I was behind but i was very open and honest with Nationstar and told them this was a done deal with the sale of the house and the way they conducted themselves and put the fees on right before closing was very questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company sent a letter collecting a debt for XXXX for an account number that is not mine.

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 09/28/2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX XXXX XXXX account went late the first time in XXXX XXXX. The account has been paid in full. Therefore, it should not be reporting on my credit report. It is XXXX XXXX. According to the Fair Credit Reporting Act " Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first one missed in the series. ''

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 11/24/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (MA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Credit Collection Service received a 93A Demand Notice from me XXXX for their illegal reporting to the bureaus and with request for validation of debt and a notice to keep all correspondence in writing only. They failed to respond. They continued calling me multiple times per week. 
I sent a second 93A from me XXXX with a second request for validation, notice of further federal and state ( FDCPA and FCRA ) violations and notice to keep all correspondence in writing only. They failed to respond. They continued calling. 
I sent a third 93A Demand Notice XXXX with third request for validation, notice of even more federal and state violations and notice to keep all correspondence in writing only. They failed to respond. They continued to call. 
XX/XX/XXXX I called and spoke with XXXX XXXX, the department manager, she stated they received all correspondence and did not bother to respond. I asked to be placed on their do not call list and request a formal cease and desist. She agreed. 
XX/XX/XXXX ( holiday weekend ) I received another phone call in attempt to collect. I called them to request no more phone calls. I was placed on hold for half an hour and gave up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We currently have a loan with Ocwen. We were naive and got into a loan we should have never qualified for and should have never accepted it. This was in  2006 . After receiving mailers and offers to refi through their sister company   Homeward we thought it would be a good time and put in an application. That 's when the mess began. To keep this simple here are the main issues.
1. We received a denial letter before we even completed our submission of required paperwork. I had been sending documents over and requesting for statuses by email from the processor who failed to respond on multiple occasions. Without the opportunity to complete the information requested or being advised further information was needed how could they deny the loan. I have a copy of the underwriters book from Homeward and this is against thier policy.
2. We w  ere charged  XXXX  for the appraisal and according to the appraisal itself it was only  XXXX . There was never any mention by Homeward they were tacking on anything additional.     3. They claim they could not verify employment. My husband works as a   XXXX   XXXX   XXXX   with a client in our home. We provided check stubs, tax documents showing the room and board portion of the income, checking statements showing deposits that match the stubs, a verification letter from the company that pays us, an email from the company that pays us, it 's documentation with the statute that applies to difficulty of care payments and why it was n't on the tax documents. Once all of that was provided they moved on to other requests then we had the appraisal. I was under the impression that the income was ok because we received no communication from them to lead us to believe there was any issue prior to the appraisal as I was not receiving responses from the processor. If I had I would have either complied with request or cancelled the appraisal.
3. They stated that our loan was denied as well due to a credit score. They credit score w  as  XXXX . Not great but they knew all that before the appraisal and never once mentioned it and was actually told it would be fine. Their concern was debit to credit ratio but because we were cash out to consolidate that would have resolved that problem immediately. It was explained to me that with the cash out and pay off because the debt was being paid off it would n't count toward the ration for fha.    4.  Our house appraised at  XXXX  higher then what i  s owed.I believe that because Ocwen and Homeward are basically same company different name that they did not want to rewrite the loan as they stand to make a lot more if t hey leave us in the high interest rate and balloon payment. Why else would they not let us finish our submissions, not respond to emails and status checks.
5. In constant and no communication. Not responding to emails or calls.
6. Notifying of the decline and not complete the file.
These are the main issues. Communication was the worst

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Under the new law, effective XXXX XXXX, 2017 any public record data must include name and address as well as a Social Security Number and Date of Birth in order for it to appear in your credit file. The Credit Bureau has not updated the information. Per the new law true Brankruptcy listed does not include this information this and should be deleted from MY credit report. As stated before this does not belong to me and should have never been placed on my report.

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 04/19/2017 about Consumer Loan (Vehicle loan) with Financial Credit Service, Inc. (NV).
Issue: Problems when you are unable to pay

Complaint: The loan date is back in  XXXX , and last activity on that loan on my part was in  XXXX . The loan company is located in Maryland, and the loan was taken out in Washington state. The place contacting me is out of  XXXX , IL named  ARA (    Asset Recovery Associates ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: While accessing my Credit Report I noticed a collection from Optimum Outcomes. I 've written to this company to validate the debt they say I owe as well as their authority to collect on this debt and have received nothing. I feel as though my HIPPA rites have been violated as I have given NO entity permission to share my personal medical information with a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had my loan servicer changed apparently which I discovered when my payment was returned. My old company very nicely helped me get the new company information which I input into my online XXXX XXXX billpay. 
That payment was sent out and recieved successfully several months. 
Then my XX/XX/XXXX payment was rejected by PHH Mortage and returned to XXXX XXXX creating a late payment and fees and so forth. My repeated calls to PHH resulted in being treated like a liar and an XXXX when i clearly had proof of successful payments and a rejection by PHH of my payment through XXXX XXXX. 
Now PHH refuses to work with me and has assessed fees of various kinds and i am sure has dinged my credit. 
I do not want to work with this company and feel they are a terrible company. 
I did not consent to have my loan servicer changed and want my old one back! 
I cant be looking forward to 30 years of this TERRIBLE customer service and deceptive practices. 
https : //www.phhmortgage.com

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Application, originator, mortgage broker

Complaint: i refinanced my mortgage on XXXX XXXX with Bank of America and i was told yesterday for XXXX of the banks when i was trying to get my principal reduction that my mortgage was miss handled by Bank of America. Even though when i tried to do my loan modification Bank of America told me i do n't qualify. Now my mortgage was transferred to XXXX in XX/XX/XXXX. I am in a trial payment with XXXX and i prequalify for the loan modification vs when I tried to do with Bank of America they told me I do n't qualify. 
I would like to have my loan review by the consumer finance. I have all the documents when i refinanced my mortgage with Bank America in XX/XX/XXXX. By the way my investor is XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX. I was given a toxic loan [ enclosed ] on XXXX XXXX 2007, just before the collapse. This loan is about to explode leaving me and my husband homeless at our age The Servicer refuses to help us although others in our loan pool have been helped. 
Our loan is about to go up XXXX per month an amount we were never qualified for. The rating agency is XXXX.They have the power to make this happen. After rating all these loans triple AAA ..when they were not..We really need help..loan number XXXX ... our address XXXX XXXX..The servicer is Owcen Servicing. THey have repestedly lied and pushed us through hoops ... .thier address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX

Company response to consumer: Closed
Consumer complaint received 09/17/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: his is not my debt. I have reported it to Experian and XXXX and they will not remove it. THIS WAS LISTED ON MY REPORT IN THE PAST FEW YEARS WITH A DIFFERENT COLLECTION COMPANY AND A DIFFERENT HOME ADDRESS. I HAVE NEVER HAD A DEBT WITH XXXX. This is fraudulent. I have never been contacted by XXXX OR THIS COMPANY. I did not request or use any services from this provider. I have no idea why this is on my report. EVERY FEW YEARS IT APPEARS AGAIN, I COMPLAIN FOR MONTHS TO EVERY AGENCY WRITE NUMEROUS LETTERS ; THEN IT GOES AWAY FOR A FEW MONTHS AND COMES BACK AGAIN WITH ANOTHER COLLECTION COMPANY. I want this permanently removed.This is creating damage to my good name. PLEASE REMOVE IT AND CHARGE THIS COMPANY ACCORDINGLY I do not use XXXX services now and I have never had this serviceThe bill list the service started XX/XX/XXXX. I have no knowledge and I have never used it. 
XXXX XXXX XXXXAddress:XXXX XXXX XXXX # XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Account Number:XXXXOriginal Creditor : XXXXAddress Identification Number:XXXXStatus : Collection account. {$150.00} past due as of XX/XX/XXXX. 

Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute XX/XX/XXXX. 
Date Opened:XX/XX/XXXXReported Since:XX/XX/XXXXDate of Status:XX/XX/XXXXLast Reported:XX/XX/XXXX Type : CollectionTerms:1 MonthsMonthly Payment : $ XXXXResponsibility : IndividualCredit Limit/Original Amount : $ XXXXHigh Balance : NARecent Balance : $ XXXXRecent Payment : {$0.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX I attempted to modify my 2nd mortgage with XXXX. I was told by a XXXX employee that they could not help me unless I was delinquent on my mortgage and I was advised to stop paying my mortgage. After becoming delinquent for several months I again attempted to have my 2nd mortgage modified. The modification was not accepted after 2 test payments. This occurred in XX/XX/XXXX. After negotiations with XXXX stalled, I received the attached letter from XXXX stating that my mortgage will be forgiven. I also received the attached Full Deed of Release showing my mortgage was PAID IN FULL. XXXX is reporting my 2nd mortgage as a Charge Off which is incorrect and is adversely effecting my credit report and therefore my ability to refinance my existing mortgage on the home I purchased on XX/XX/XXXX. I sold the home which originally secured the 2nd mortgage on XX/XX/XXXX and purchased a new home.

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 10/30/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX, Mr. Cooper ( Nationstar ) indicated that foreclosure proceedings would not begin until XX/XX/XXXX ; they referred the property for foreclosure on XX/XX/XXXX ( the attorney 's office did not receive the file until XX/XX/XXXX ). On the morning of XX/XX/XXXX, the FULL reinstatement payment was ready to be made and Mr. Cooper refused the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: MY PROCESS STARTED BACK ON XX/XX/XXXX WITH WELLS FARGO WITH A REPERSENTATIVE BY THE NAME OF XXXX XXXX EVERYTHING WAS GOING WELL UNTIL HE STOPPED RESPONDING TO MY CALLS AND EMAILS. I CALLED AND SPOKE TO A SUPERVISOR AND ASKED THEM IF I CAN HAVE A DIFFERENT REPERERSENTATIVE SINCE HE WAS NOT BEING RESPONSIVE TO ANY OF MY EMAILS WHICH I HAVE PROOF OF. THEY SWITCHED MY REP TO SOMONE BY THE NAME OF XXXX XXXX IN XXXX. XXXX AND I WOULD GO BACK IN FORTH VIA EMAIL MOSTLY HE WOULD REQUEST DOCS I WOULD SEND IT TO HIM. HE REQUESTED BANK STATEMENTS WHICH I HAD TO ORDER AND I ADVISED HIM OF THIS. I RECIEVED THE BANK STATEMENTS AND FAXED THEM OVER TO HIM. ON XX/XX/XXXX I EMAILED HIM ASKING HIM THE STATUS OF MY LOAN MODIFICATION HE EMAILED ME BACK ON XX/XX/XXXX WHICH WAS 4 DAYS LATER STATING THAT HE DID NOT RECIEVE THEM IN TIME AND IT WOULD NOT GO THRU. I EMAILED HIM BACK AND ADVISED HIM I FAXED IT OVER AND I CAN RESEND IT. IT IS NOW XX/XX/XXXX AND I HAVE NOT HEARD ANYTHING. I EMAILED THERE CEO XXXX XXXX ADVISING HIM OF THE ISSUE AND HE HAS NOT RESPONDED ( I AM SURE HE DOES NOT CARE!!! ) I ALSO EMAILED THERE HEAD OF CONSUMER LENDING OF THE ISSUE XXXX XXXX AND HE HAS NOT RESPONDED. I HAVE BEEN A WELLS FARGO CUSTOMER FOR YEARS AND RECENTLY HAD A XXXX I SENT ALL OF THE DOCTORS DOCUMENTS TO XXXX XXXX SHOWING THAT IT IS TRUE. I AM A XXXX YEAR OLD SENIOR CITIZEN THAT HAS NO PLACE TO GO IF I LOSE MY HOME. I CERTAINLY DO NOT WANT TO LOSE MY HOME OVER BANK STATMENTS EITHER. I NEED HELP!!!! PLEASE SOMEONE HELP ME I WANT TO KEEP MY HOME!!! MY CONTACT INFO IS XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Three times we have requested info on the XXXX program. On XXXX/XXXX/16, I was put on hold by Ditech for over two hours. They were sarcastic and talked to me with a slow, XXXX tone as though I was a child. I asked to speak to a manager. He did not know any XXXX info. I simply wanted to know the required loan to value ratio. They are unable to furnish any info about my loan. This is a horrible, rude company with no customer service. They are incompetent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX promised me a credit on this matter but instead sold it to a debt collector. I was paying for 2 months of services they did not provide ... faulty equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: cin.bell refused to honor my promotional fee when I moved from my house. I was being charged more than i was before. I tried calling to have this fixed and even filed XXXX complaints with the XXXX. This is not the XXXX time this has happened. the last time I had their service I had to file with the XXXX and that time it was corrected. I continued to pay what i was told while working to get the situation fixed. At that time they were charging me late fees and a higher bill. I had the service shut off in XXXX and returned all equipment. They continued to charge me for another 6 months which i did get fixed and was told I would get the final bill in XX/XX/XXXX Didnt get it till XX/XX/XXXX.and was working on deputing the charges again but now Its on my credit report.They are charging me for a cable they said I did not return which I did. I dont owe this amount they are trying tocollect. I have proof with my billing statements and checks that the billing was inconsistant to what I was told.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX I contacted Receivables Performance XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX via phone regarding information on my credit report from their company. Receivables performance told me they do not have an original contract from the debtor-XXXX XXXX to be able to validate the account. The representative stated the amount owed and did not have a valid address for me, I then stated I need you to validate this account with an original contract from XXXX XXXX XXXXThe representative hung up on 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 04-07-2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: An old Debt that should have been removed from my Experian Credit Report, Account number XXXX by XXXX XXXX remains on my report. It represents a debt that is well over seven years old.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2016 someone applied for credit with XXXX without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I am trying to put a fraud alert on my credit via Equifax 's web site because I have reason to believe that someone has used my social security number. However, I can not sign up on Equifax 's web site without first paying {$20.00}. Really?! I have to pay {$20.00} just to alert the company that somebody may have my social security number?! That does n't seem right or fair.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX ( account name ) Credit Card - Revolving Terms ( account type ) is  being reported to XXXX incorrectly. The status says open, though it has been closed since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation