milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: 1. XXXX, AS TRUSTEE FOR THE SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST MORTGAGE LOAN ASSET-BACKED CERTIFICATES SERIES XXXX filed its foreclosure action on XXXX XXXX, XXXX. 
2. A Final Judgment of Foreclosure was entered by the trial court on XXXX XXXX, XXXX. 
3. The Final Judgment of Foreclosure scheduled a mortgage foreclosure sale date for XXXX XXXX, XXXX. 
4. The Plaintiff and the Defendant, XXXX, entered into a Stipulation Agreement which was ratified and adopted by the Court on XXXX XXXX, XXXX. Pursuant to the Stipulation Agreement, the foreclosure sale was cancelled. 
5. Defendant, XXXX, filed for relief under Chapter XXXX of the United States Bankruptcy Code on XXXX XXXX, XXXX, Case No. XXXX. Defendant, XXXX, made a number of payments to the Plaintiff on the subject mortgage during the pendency of her Chapter XXXX Bankruptcy Case. 
6. Case No. XXXX was dismissed on XXXX XXXX, XXXX. 
7. Defendant, XXXX, filed a second Chapter XXXX Bankruptcy Case on XXXX XXXX, XXXX, Case No. XXXX. Defendant, XXXX, made a series of payments to the Plaintiff on the subject property during the pendency of her second Chapter XXXX Bankruptcy Case. 
8. Defendant, XXXX, second Chapter XXXX Bankruptcy Case was dismissed on XXXX XXXX, XXXX. 
9. Defendant, XXXX, filed her third Chapter XXXX Bankruptcy Case on XXXX XXXX, XXXX, Case No. XXXX. 
10. During the pendency of her third Chapter XXXX Bankruptcy Case, Defendant, XXXX, sought modification of the mortgage that is the subject of this mortgage foreclosure action. 
11. On XXXX XXXX, XXXX, the Honorable XXXX, United States Bankruptcy Judge entered an Order Approving Second Amended Mortgage Modification. 
12. The Bankruptcy Court 's Order Approving Second Amended Mortgage Modification effectively ratified the Mortgage Modification Agreement between the parties resulting in a new mortgage obligation and agreement. XXXX 13. Plaintiff has scheduled a foreclosure sale date of XXXX XXXX, XXXX. 
14. The Court scheduled and conducted an evidentiary hearing to determine whether to cancel the scheduled foreclosure sale based upon compliance with the mortgage modification and whether to dismiss the case. 
15. The evidence and testimony presented at the evidentiary hearing clearly established that the borrower had complied with the payment terms of the modification agreement and that the servicer was refusing to honor the modification agreement because a signed copy was never returned to the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX XXXX, I had a landlord and tenant issue with XXXX XXXX XXXX XXXX due to a Rodent infested apartment that management refused to resolve the problem. I secured a lawyer and placed the rent in escrow at the courts in XXXXXXXX and I sued XXXX XXXX XXXX aka XXXX XXXX, XXXX 

With assistance of my Lawyer the management of the apartment complex settled the case without going to court. The matter was settled out of court with a cash settlement. 

There are XXXX buildings within the property. Of which each building had different building names. XXXX of which is the XXXX XXXX where I lived the apt number was XXXX. 

Approximately 4 months ago, I received a letter from a Collection Agency Hunter Warfield XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX stating that I owed a debt in the amount of {$2100.00} with a Collection Account # XXXX. 

I immediately contacted this collection agency and informed them that this collection Agency that this debt to a creditor by the name of XXXX does not and did not belong to me. 

Also, I followed up by forwarding a certified Cease and Desist letter to this collection agency HUNTER WARFIELD. 

On Wed, XXXX XXXX, XXXX, I received an email from my credit monitor that Hunter Warfield Collection reported this Debt that does not belong to me in all XXXX Credit Bureaus. This negative information has been damaging and affected my credit score negatively Even though, I have contacted this Collection Agency and informed them that this is NOT my debt, they continued to report this debt to my credit report. 

This debt that does not belong to me was maliciously listed on my credit report by this Collection Agency Hunter Warfield. I am in the process of being interviewed for a Security Clearance and this negative and malicious information will impact my employment. 

I AM SUBMITTING A COMPLAINT TO THE FTC, BECAUSE HUNTER WARFIELD HAVE VIOLATED MY CONSUMER RIGHTS. 

PLEASE ACCEPT THIS AS MY FORMAL COMPLAINT AGAINST HUNTER WARFIELD..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XXXX XXXX, 2007, I did use my Chase debit card 5 consecutive times without knowing that I did not have enough fund to cover those transactions ( {$25.00} ; XXXX ; XXXX ; XXXX andXXXX ). For that reason, Chase did charge to me the amount of {$170.00} XXXX this is a {$35.00} each ). I did write a letter telling them that warning to me or decline the first time my debit card would be the right process to do, but Chase did approve these transactions and penalized me with all those astronomies charges, instead.In my letter to JPMorgan Chase, I did try to resolve the matter but the response I did receive it was a negative one and provoked the fact I had to close my account with that bank.
Note : I did not close my account because of those 5 transactions but because Chase did the same  process on 3 ( {$25.00} ; XXXX and XXXX ) more transactions which I was reluctant to honor.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. These are the only adverse items on my credit report and it has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX Federal Bank previously XXXX XXXX XXXX they have refused to comply. Litigation Case XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX County Superior Court.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: I took out an auto loan with XXXX on XX/XX/XXXX, XXXX at some point in XXXX i fell behind on XXXX payments due to a financial hardship. I lost my job. The account almost went into collections and we we came to an agreement that once I made my payment for a chargeoff on XX/XX/XXXX they would remove this remark from my credit report. 

They still haven't removed it yet. I have been trying to rebuild my credit ever since XXXX and every single time I apply for anything ( even simple store cards to build my credit ) I'm always getting denied. 

I have learned a lot about credit over the years and I'm just looking for a fresh start. I've been trying to build credit since I was XXXX. I'm now XXXX. This is the only loan I've ever taken in my life and I've never had a credit card before. I do not feel that this one mistake in the past should reflect my credit score as a whole. I'm starting a family and having this resolved would greatly help my situation.

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 05/18/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX showed up on my credit report on XXXX/XXXX/15 as a hard inquiry on XXXX/XXXX/15. I immediately filed a investigation with Equifax and within XXXX hours they closed the case stating Inquiries are a factual record of file access. I called the # Equifax provided for XXXX, XXXX and spoke to XXXX, today XXXX/XXXX/15. I asked how they got my information to view my credit report when I didnt apply for credit or authorize them to view my credit report. He could not tell me and asked that I fax my name, address, phone # and last XXXX of my social to XXXX. I do not feel comfortable doing so as that is all information that can be used to obtain credit fraudulently. I have read online, NUMEROUS accounts of XXXX placing a hard inquiry on people 's credit reports. I will not stand for them to comit fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (I do not know) with Thunderbird Collection Specialists, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated and unwanted phone calls. I asked the name of the company & they refused to give it. Caller ID shows " T.C.S. '' XXXX. I was hung up on when I asked, I called back and another person refused to tell me who they ( company ) were. Internet search shows Thunderbird Collections XXXX in Arizona. These fools need a lesson in manners and phone etiquette. Once I stated to not call me, they used my name, referenced other family members and referenced me as being too stupid to understand. They apparently researched my phone number to know me, but continue to call for someone not living here.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX Mr. Cooper formerly Nationstar emailed me and sent a letter notifying me that XXXX had sold them my home loan. A few days later I received a letter in the mail stating the same thing. The effective date of the transfer was XX/XX/XXXX. In that same email they said that they would mail me additional information in about two weeks. I received no payment information for XX/XX/XXXX. I received no written statement of debt : where should payments be made, no monthly statements, no information about what to do if I wanted to seek a new loan company, etc. On or around XX/XX/XXXX I still had not received a monthly statement for payments to the new company. I called Nationstar/Mr. Cooper was was told that I could sign up online to make payments. I told them that while I would sign up, I was requesting that an actual monthly statement be sent to me. I should as required by law be provided written information about my debt. Nationstar/Mr. Cooper never sent a XX/XX/XXXX bill/monthly statement and never informed me of the amount due for XX/XX/XXXX. I eventually just paid the same amount I had previously paid to XXXX. Each time I called I got random answers about why they were refusing to send me a XX/XX/XXXX mortgage statement or bill. Once again - Nationstar/Mr.Cooper refused to send a XX/XX/XXXX bill/mortgage statement in writing as requested many times. In late XX/XX/XXXX I started receiving harassing calls from Mr. Cooper staying that XX/XX/XXXX mortgage was not paid. I immediately disputed that. I provided the date that it was paid from my XXXX banking account. Mr. Cooper informed me that they applied that payment to XX/XX/XXXX. I immediately demanded to talk with a supervisor and disputed that XX/XX/XXXX was not paid. Mr. Cooper did not own the loan until XX/XX/XXXX. XX/XX/XXXX payment was already made to XXXX. Mr. Cooper refused to send out a monthly statement or bill for XX/XX/XXXX. Currently Mr. Cooper is reporting me to credit bureaus as being late because they have been and continue to apply payments one month behind. Once again- XX/XX/XXXX payment was applied as an XX/XX/XXXX payment- when Nationstar did not own the loan until XX/XX/XXXX. Payments are not being applied correctly. Mr. Cooper refuses to send a XX/XX/XXXX bill/statement in writing as required by law, and Mr. Cooper is not honoring the dispute process. I disputed in writing that XX/XX/XXXX payment was owed to them ( they didnt own the loan until XX/XX/XXXX was half over and payment was made to XXXX ). The creditor is refusing to send written proof of an amount owed ( No XX/XX/XXXX bill ), and they have incorrectly reported me to the credit bureau as being late when this is in dispute and Mr. Cooper has not provided written verification of the dispute status as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I requested financial hardship assisitance for my mortgage due to health reasons. the mortgage company then referred me to several different people. I left messages, but no response after more than one week. I later received foreclosure related documents.

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 08/30/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Having qualified for a {$5000.00} " pay-for-performance '' Home Affordable Modification Program principal reduction, I filled out and promptly returned the appropriate Dodd-Frank certification form XXXX provided by my loan servicer by certified mail. I retain the company 's representative 's signed and dated return receipt as proof that the form was delivered within the time period allowed for applying to receive the incentive. I became eligible for this incentive on XXXX XXXX, XXXX, however, my account was not credited until XXXX XXXX, XXXX. After subsequent phone calls to the service provider to inquire why I had n't received the {$5000.00} principal reduction in a timely manner, I was informed by the loan servicer on several occassions that it had yet to receive payment from the U.S. Treasury. The issue was not addressed by the loan servicer until I contacted the Housing Council on XXXX XXXX, XXXX to ask for help resolving this dispute for non-payment of incentive. The loan servicer sent me a letter dated XXXX XXXX, XXXX stating it was conducting research on the dispute. A subsequent letter from the loan servicer dated XXXX XXXX, XXXX stated, " Unfortunately, the Form XXXX you returned last fall was misidentified upon its receipt. Consequently, its receipt was not reported to the US Treasury, which caused the Year 6 incentive not to be paid by the government ... we apologize for any dissatisfaction this matter has caused. '' How is it possible to misidentify this FORM XXXX? I allege that the servicer was grossly negligent in its processing, and believe that this company willfully committed fraud for financial gain by preventing me for eight months to recast my loan, thus lowering the loan principal which would have resulted in less interest paid to the lender. Furthermore, I was further harmed by having to wait for the principal reduction because during that period of time, I could have taken advantage of lower interest rates by refinancing this loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2016 about Credit reporting () with Pinnacle Credit Services, LLC (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: applied for loan was approved then before closing pinnacle credit service put account on my report. It not mine so started process to dispute. XXXX states items not changed and remains on report. I have spoke with pinnacle they have not proof of account just name and amount due in computer. They say they are 3rd party. Gave me another name and number to first national collection they state they have no proof only name and amount in computer and are a 3rd party and works for Pinnacle. Pinnacle states it is with XXXX. Called XXXX and they said the do n't have anything for me now or ever in the past that went to collections and that I have not done buisness with them in 9 years and it was a car loan that was paid in full and on time. Pinnacle refuses to remove and refuses to show proof of dept they trying to collect. All XXXX will say is dept was updated by pinnacle as mine and they can not take off report. Started dispute in XXXX did n't get answer till XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (ID).
Issue: Problems caused by my funds being low

Complaint: When I opened my checking account with Bank of America XXXX years ago, I deliberately declined to opt in for overdraft protection. My hulu payment through XXXX accidentally overdrew my account XXXX days before my direct deposit. It was my understanding that this should have been declined since I opted out of overdraft protection. A BAC customer service representative told me in writing that opting out of overdraft protection had no effect whatsoever on my account and I was penalized {$35.00} for the overdraft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2016 about Consumer Loan (Vehicle lease) with U.S. BANCORP (CA).
Issue: Managing the loan or lease

Complaint: My lease with US Bank expired after i paid my last payment on XXXX/XXXX/2016 and returned the car on XXXX/XXXX/2016. I called US Bank XXXX, and they still keep on taking out the monthly automatic payment that i was required to start. there is NO way to turn this off via their web site. I spoke with XXXX customer service rep 's who do n't know how to turn off the automatic payments when they have the returned car. I spoke to a Manager XXXX XXXX who also said it would not be taken out. However, it still took my money without any remediation. They owe me and many other end of leasee 's who kept on taking money out of account after lease ended. They owe me {$250.00} returned immediately.

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 monetary relief
Consumer complaint received 11-12-2016 about Mortgage (VA mortgage) with Shellpoint Partners, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a home loan with the lender New Penn who uses Shellpoint Mortgage to service their loans. The rates dropped so I also did a VA streamline IRRRL with them. Since I am rated a XXXX Veteran, in the state of GA I do n't pay property taxes. During the processing of my loan the underwriter added taxes to my escrow payments. I 'm not sure where the amounts came from as my County Tax Assessor Office had already provided me my estimated tax amount which stated {$0.00}. So I provided that infomation to my lender and the taxes were deleted and the loan was closed. However, when the loan servicer, Shellpoint, received my loan and established my account, it showed that I owed taxes for the year totalling almost {$2400.00}. Since the loan had recently closed two weeks prior, I contacted the lender for assistance. The lender basically verified they had not provided the tax figures to Shellpoint since the amounts were not calculated into my escrow account, but only showed as a collectable debt against my mortgage account. Therefore, I contacted Shellpoint inquiring about the tax amounts and provided them with the same tax estimate I received from my County Tax Assessors Office and recently provided to the loan underwriter showing my taxes were {$0.00}. Basically, they responded by stating they would check into the issue. However, they stated it was my responsibility to provide any military documentation to my tax office in such matters. They also went on to remind me that since my lender did not include the amounts owed in my escrow account, it is also my responsibility to ensure the debt is paid per the terms of my loan agreement ( or they would place my account in collections ). At this point in time I am clearly at a loss! So I contacted both my County and City tax offices to reconfirmed my VA XXXX tax exemption status and received copies of my tax statements both showing {$0.00} with {$0.00} due. I forwarded both statements to the lender, New Penn, and the servicer, Shellpoint, with no response. However, since then, my account now shows a reduced amount due for my County taxes but the same amount due for my City taxes totalling about {$720.00} due versus the previous {$2400.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Bass & Associates, P.C., Attorneys at Law (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a a unverified account from Bass & Assoc. I had previously disputed this account with XXXX XXXX XXXX. I have never done business with your company or XXXX this account was never verfied and was deleted from my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that Bass & Assoc Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Bass & Assoc Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company response to consumer: Closed with explanation