milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (WI).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX my now XXXX mother needed my help to refinance here home.So I helped her and I became part of the mortgage loan.At that time XXXX XXXX was the lender.In XX/XX/XXXX I had a new child born that was born XXXX. I was then forced by family court to illegally pay child support for my children in which they were living with me. With this illegal act my credit was ruined for not being able to pay for credit issues I had beforehand.Mostly all the credit companies I owed sent me to collections and they were seeking garnishments for not being able to pay.In XX/XX/XXXX, my mother passed away and I had to submit her death certificate to XXXX XXXX.After I submitted my mother 's death certificate XXXX XXXX quickly sold the loan.Keep in mind that my credit was destroyed when the mortgage was sold to PennyMac.PennyMac received a mortgage without investigating my credit as a borrower.So they tried to foreclose on the property because of their improper practices.I got the house out of Foreclosure in XX/XX/XXXX and in XX/XX/XXXXbecause of unfair practices by PennyMac.In XX/XX/XXXX the property needed serious roofing repair while I was in foreclosure repair.Their lender placed insurance company XXXX sent out their inspectors and agreed to do the repairs.After {$42000.00} worth of repairs was done to the property while going through foreclosure repair they denied the claim and left me to pay the bill with destroyed credit.Garnishments started coming out of my check and I Have n't been able to even eat or pay my mortgage.This is a very sick situation to live under please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 disputed a collection on my Transunion credit report over 60 days ago, and for Transunion to provide a Reasonable Investigation and Account-Level Documentation for debt collector XXXX XXXX XXXX XXXX XXXX allege debt of {$300.00}. In addition to my dispute I requested Transunion to provide original purchase contract and verify the following on the original purchase contract : Name, Address, Phone Number, Date of Birth, and Signature. Transunion did not provide original purchase contract or Validation of Debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA that Im legally obligated to pay this allege debt. Transunion failed to uphold 15 U.S. Code 1681s-2 and fraudulently stated this debt meets FCRA requirements. Transunion willfully and knowingly executed non-compliance as per FDCPA 807. False or misleading representations 15 USC 1962e.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX ACCOUNT XXXX AND XXXX XXXX ACCOUNT XXXX are improperly reporting on equifax XXXX and XXXX credit bureaus.XXXX ... ..WAS INSURED BY XXXX and was covered at time of service.XXXX ... ... was covered by XXXX XXXX ' XXXX XXXX XXXX ( my mother ) at time of service.I have enclosed the XXXX policy card and the verifications by XXXX and XXXX.these debts should not be on any credit file as they are insured and the result of error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2015, we made application for a refinance mortgage from Ditech Mortgage Corp. They requested documentation which we supplied, and were given preliminary approval. On XXXX XXXX, 2015, at Ditech 's requirement, we paid an appraisal fee of {$440.00}. They then requested more documentation, which we submitted. Today, Ditech informed us we need to show a one-month 's cash reserve of the mortgage payment ( including tax and insurance escrow ) in the amount of about {$850.00}. Since paying the appraisal, we no longer have that much in reserve. Ditech informs us that this is an FHA requirement. That means they knew of the requirement BEFORE they required us to pay for the appraisal, but they did not disclose that requirement. Consequently, we believe we have been defrauded of the {$440.00} appraisal fee, unless they go ahead and fund the mortgage or refund the fee to us.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a 60 day late notice on my credit score from ally financial. I had arranged for a payment to be pushed to the back end of my car loan while starting a new job. I made payments as scheduled in respect to this arrangement. 
This debt was moved- it not late. It should be removed from collections as it dropped my credit score over XXXX points.

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 01/27/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (ME).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to complete a deed in lieu of foreclosure on my property of nearly three years. I filed Bankruptcy in XXXX of XXXX ( XXXX in XXXX XXXX ). At the time my mortgage was with XXXX XXXX XXXX. Not long after my discharge XXXX sold my mortgage to XXXX XXXX XXXX Bank, who then sold it to Caliber Home Loans in XXXX of XXXX. Even though I had tried multiple to times to turn the home over, I immediately contacted Caliber to try again as soon as I received word that they were the new holders of the mortgage. I did this even though I was no longer financially responsible for the note due to my discharge from bankruptcy. Not only did each company along the way continue to call me in an effort to collect the debt ( against the law ), I have had the worst time trying to simply move on with my life by completing a deed in lieu. Once I contacted Caliber and completed the paperwork for the first time, they sent someone out to the property to inspect / appraise it. At the time they were unable to do anything because they stated there were people living in the property ( squatters ). They told me I needed to have them evicted. The building became vacant between XXXX XXXX and XXXX XXXX and I have still been trying to complete a deed in lieu. My attorney has had multiple contacts with Caliber to no avail. The have stated they did n't have all of the information they needed, so we sent them more. Then they said I had a sewer lien, so I contacted the city on a Friday. The city said there was no lien, but one would be placed the following Monday. Caliber at that point agreed to pay the approximately {$450.00} lien in exchange for a reduced relocation fee. I gladly agreed and waited for my paperwork, which never came. After more agonizing time goes by I received a call from my account manager who advised me now that there was a $ XXXX lien on the property. Why this never showed up before, I do n't know. I was advised the loan was taken out in XXXX, which was difficult seeing I did n't buy the house until XXXX. I dug in and contacted the title company that performed my closing. The attorney for the seller apparently never filed the discharge for that lien, though the loan had been paid. After about two months, I finally received a copy of the discharge and forwarded it to my attorney who then forwarded it to Caliber. This was on XXXX XXXX, XXXX. To date, neither my attorney, nor myself have heard from Caliber regarding my deed in lieu. My patience is wearing thin. It has been 2 1/2 years since I filed bankruptcy and I still have a house hanging over my head. I truly want nothing more than to move on with my life. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AFNI is continuing to report to the credit reporting agencies a debt that did not belong to me. 2 years ago they sent me a settlement offer for a debt which I did not recognize. It was a small amount so I paid it to avoid further collection activity. Since that time, I have requested several times from them proof that the debt was actually mine and they have ignored my requests each and every time. The name on the debt does not match mine and it is for an address at which I have never lived. Despite my disputing the debt, they continue to report this debt as settled on my Experian credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (I do not know) with CASHCALL, INC. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed bankruptcy XXXX XXXX, this was XXXX that was discharged. This should not be on a collection. This company keeps harassing me about paying this in full and saying they have sent me numerous letters and changing or adding different dates this was taken out. The date XXXX XXXX which states this was done is yet another date. I did not contact or except a cash advance from this company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Payday loan, title loan, or personal loan (Payday loan) with Kashia Services (NC).
Issue: Charged fees or interest you didn't expect

Complaint: I needed a loan to help pay my car insurance because there was an issue with XXXX and my payment needed was XXXX to keep my insurance from lapsing. XXXX gave me a loan for {$700.00}. I have paid over {$800.00} back XXXX every two weeks since my last paydate in XX/XX/2017. I was told that I could pay off early and not be charged all the extra charges, but every time i call they add fees and it is over {$900.00}, if I pay before my next payment {$850.00}. I understood that my payment 's made would be added in and I would just pay a small fee for early payoff. I can't afford to pay that or keep paying {$210.00} for the next 3 years. I can only call I get no paper bill and the website is just like a click takes you back to the same page. It says returning users I logged in it just asks to sign loan papers. I'm so stressed my hours have been cut at work and I have XXXX coming out my account I have boys to feed and bills to pay. I know that I pay interest on loans but I think this is too much.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Payday loan) with SECURITY FINANCE CORP (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They repeatedly call my cell phone and my place of employment i have asked them not to call my job and they keep calling i had told them i will pay them this payday and they say they need it before that i have tryed to work out a payment plan with them and they are persistent on getting the money when they say i have been unemployed and havent had the money to pay them and i am 100 % that i will pay this debt i just started working and am only getting paid 2 times a month and they know this i am afraid if they keep harassing me at work they will cause me to lose my job

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ( 1 ) debt was never owed creditor cleared this up with collection agency but was not removed from my report.collection agency put paid closed.actualy was never paid by me. ( 2 ) same as above

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: My fiance and I was searching for a forever home and we finally found one and put an offer on it. My fiance went with freedom mortgage because he was referred. The house was supposed to be a convential loan but with the ac missing and the front door in need of repair it had to be a XXXX loan. I was told it does n't take a super long time but it is longer than comventional. They were still gather info on our credit and financial things even in to month 3. Which is ridiculous. By the time they sent for an appraisal, that did n't come back for over 3 weeks which was after our closing date. Yes, we had to have an extension and it was approved. The appraisal came back with XXXX item on the list which included a whole lot of small repairs including replacement of a vanity cause the floor in it was broke to outlet covers, but yes there was one repair that cost a lot and that was the outside siding. Freedom mortgage would n't let me pay any money out of pocket or do any of the repairs myself which just kept raising my mortgage dollar amount. I had the money to pay for repairs out of pocket but they said that all I had to do was tell the contractors to not deduct the whole amount and the money left in account will go back to principle, and meanwhile with their procrastination we had to have a second extension which was approved. Now it 's past 4 months and closing date is coming up again and my lender tells me we are not going to close on that date. I filed for a 3rd extension and was told I would have to put more money down for deposit and my extension is approved but only because I am an excellent buyer with excellent credit and money in the bank. With the 3rd extension steadily approaching it was clear freedom mortgage would not be able to get their paperwork in order. My loan officer and my loan processor could not agree with anything and my loan processor kept losing my personal financial paperwork hence why it took over three month to collect my financial stuff. Now I lost the house and I 'm extremely mad because that was a home that I could see myself for the next 30 40 years. My loan was denied because of too many extensions not because of me but because of them. But they sent me a denial letter saying I cancelled the deal, which I did not. And because of that I ca n't get my deposit back. Please help me get my deposit back.

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 10-01-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a cancellation of debt notice and I see that the debts are still appearing on my credit report, I have it understood that since I received a XXXX I am no longer liable for these debts.

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 09-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CO).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, XXXX, we received letter from Wells Fargo informing us that we did not qualify for Home Affordable Modification Program. We were told that XXXX XXXX requires that the property be owner-occupied. The XXXX XXXX website says requirements : Property Type : XXXX-to-XXXX-unit XXXX residences, including condos, PUDs and manufactured homes. 
XXXX homes XXXX-to-XXXX-unit investments properties We meet the requirements for the XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX This single family house is for the one of the investment property. As noted in our Hardship Statement, we are presently current on the mortgage payments for XXXX XXXX XXXX XXXX, XXXX, CO XXXX. Because of the increasing medical and assistance with daily living costs, we fear imminent default once the mortgage payments almost double in XXXX XXXX, XXXX. As I mentioned earlier, my husband list his job in XXXX XXXX which lead to our financial issues and we had to file for Chapter XXXX Bankruptcy. My husband suffered a XXXX on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX in conjunction with XXXX. XXXX. We would very much like to resolve the loan modification matter so that we can focus on his recovery. Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received XXXX letters claiming I medical debt from XXXX. I called XXXX and asked if my account was current. They claimed I owed no money and that they did not use Transworld Systems Inc as a debt collection agency. I called Transworld System Inc and they said for Hippa reasons they would not verify my debt until I gave them my birthdate and also wanted my social security number. I told them I would not discuss the debt further or give them any personal information until they could verify the debt. They refused citing hippa.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (Conventional fixed mortgage) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Credit decision / Underwriting

Complaint: Regions Mortgage is reported wage earner on credit report. The loan is being paid outside of the chapter 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 02-04-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: In receipt of the latest correspondence and again duplication of the same information WFHM continues to send in response to my submissions to the CFPB. XXXX XXXX sent the latest outline of her findings, in which she states that we 've carefully research these matters and are providing you with an update on our research. It 's as follows : 1 ) Communication within WF 2 ) Requests for compensation for late fees 3 ) WF commitment to customers 4 ) Payment history 5 ) Chapter XXXX bankruptcy reaffirmation 6 ) Credit Reporting 7 ) Status of account 8 ) Written communication only 9 ) Savings account concerns She ( XXXX XXXX XXXX, further states, we previously responded to ( most ) of the above concerns in the past, we are providing this response in summary of all information requested in lieu of a letter indicating all of the prior enclosures, per your request. 
These are generated and recycled responses and made with no documentation attached, which I have received since holding the loan. My goal is for WFHM to produce to the CFPB written documentation ( clear and concise ), detailing my correct payment history that corresponds with my attached bank statements and written documentation sent to XXXX XXXX and the NC courts detailing reaffirmation. This details my request to CFPB ; 1 ) Written documentation of my correct payment history 2 ) Written documentation of reaffirmation sent to XXXX Law Office/NC Courts 3 ) Written documentation of reporting my mortgage to all credit bureaus 4 ) Written documentation of money taken from the savings account prior to closing 5 ) Written documentation of WFHM grace period policy 6 ) Written documentation of how my cash payments were applied when I personally walked into the WF branches and made payments ( time stamps, dates, persons whom processed the payments, etc. ) 7 ) Written documentation and assurance that no accounts were opened in my name 8 ) Written documentation of any interest gained on the money WFHM accrued while holding funds and not applying them directly to my mortgage It is my hope that I have clearly and concisely outlined any and all concerns of requests the CFPB and myself would like answered.

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 05/16/2017 about Debt collection (I do not know) with Collection Bureau of the Hudson Valley, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: These folks have been robo-calling me at the office about a debt owed to a "  XXXX . '' I am not  XXXX  and I do n't owe them any debt. I called them and asked them to stop calling me and they were rude and hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2016 about Mortgage (VA mortgage) with Home Point Financial Corporation (AE).
Issue: Application, originator, mortgage broker

Complaint: I was denied a refinance even though the VA explained to the lender that I qualified under intermittent occupancy based on my job being overseas. I was charged {$520.00} for an appraisal and had my credit report run while being assured by the VA and pre-approved by the lender that my loan was standard and fell well within guidelines.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2017 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: I WENT OBED ON XXXX XXXX WHENI WOKE UP IT WAS MONEY MISSING OFF MY CARD I CALLED RUSH CARD TO DESPUTE AND WAS ON THE PHONE WITH THE FRUAD DEPARTMENT MORE MONEY STARTED TO COME OFF MY CARD BE FORE SHE STOPPED MY CARDS THEY TOOK A TOTAL OF {$2400.00} I WAS TOLD THAT I NEED TO COMPLETE THE FORMS AND THEY WOULD EMAIL XXXX THE FORMS IT WOULD TAKE 3 HOURS IT TOOK OVER 5 CALLS AND 18 HOURS TO RECIEVE I FILED A POLICE REPORT AND COMPLETED THE FORMS AND FAX BACK IN ON XX/XX/2017 THEY EVEN WIRED ME MONEY OFF MY ACCOUNT BECAUSE I DIDNT HAVE MONEY TO GET TO WORK TILL I GOT MY NEW CARD I SPOKE TO MULTIPLE CSR EVERYDAY AT RUSH CARD THAT SIAD MONEY WILL BE RETURNED ON OR BEFORE THE XXXX OF XXXX ON XXXX XXXX AT ABOUT XXXX I SOPKE WITH A REP AND WAS TOLD THAT IT WILL BE BACK ON MY CARDLATER THAT DAY I CALLED BACK LATER WAS TOLD THAT IT WAS A DECISON MADE AND I WASNT GETTING MY MONEY BACK I HAVE APPELLED THE DECISON AND IS REQUSTED FOR ARBITRATION

Company response to consumer: Closed with explanation