milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-03-2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have owned my home for several years and fell behind on my mortgage due to a reduction in my monthly income. My home is underwater as many people 's homes are in this market, the only option I have to save my home is through the making home affordable program. I have applied for several modifications with my mortgage servicer and have received several denials. The denials are based off a negative NPV, which is a very vague decision. I make monthly income and could very much afford a payment for my home. The investor on my loan seems to fluctuate my value based off of the internet, they have never seen the inside of my home but value it at the top of the market, like a remodeled home instead of the true value. This fluctuation in my homes ' value is the major reason why the decision on my modification is always no. My loan was also recently acquired by an investor and was service released to Rushmore to foreclose. My only option left today to avoid foreclosure is to short sale. I was told by my servicer that if I would find them a good offer that they would work with me and not foreclose. I listed my home with a realtor and have received several offers for my home, an as-is offer at fair market value was accepted by me to submit for short sale approval. This offer was denied by my investor and the buyers increase was also later denied- we are within XXXX of the investors net today and they refuse to do an interior appraisal which would help close this gap in value. The buyers have decided to conduct an inspection of my home with their contractor and termite company, these reports will be submitted to Rushmore for consideration of a value dispute- the only problem is this investor does not entertain value disputes per my servicer. My home needs repair and this is why the offer is at this amount. This is not a low ball offer as it is within XXXX of the remodeled home that sold directly across the street. How can they not entertain pertinent information like this?! Given the situation that I find myself in I would be in a better place if I can have Rushmore work with me on a short sale, they promised they would and I have spent the last month preparing and helping with selling my home when Rushmore would rather foreclose. I fear that I will be kicked out on the street by my servicer, all of my attempts to work with them are futile and to make matters worse I often feel antagonized by the person assigned to my file. I am going through a rough patch in my life, I would appreciate being treated like a human being, I have held my end of the agreement to short sale, part of working with someone is to have the information I send in considered not hastily disregarded as insufficient-within 5 minutes of sending it. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (I do not know) with Clark County Collection Service (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I just looked at my credit report and NO way do I owe   XXXX     XXXX  {$770.00} I would like validation and what address was this account attached to? This is inaccurate data

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On theXX/XX/XXXX I sent out a certified letter requesting that this account be validated and not verified I specifically requested three things * the original signed contract from me to the orginal doctor to release my medical records to collections information bureau also know as XXXX XXXX XXXX. ( HIPPA ) * original doctor statement of procedure * cease all reporting to all major credit bureaus until the documents have been reviewed and validated by me. 

I specifically stated the original documents that if I did not receive the original documents that it would be deceiving the information received by this company was this evening the original document of the statement from the hospital was dated XXXX XXXX XXXX if this procedure was done XXXX XXXX why does the statement show XXXX this is deceiving this is something that was printed up after receiving my certified letter furthermore the signed document received does not state that I gave the hospital permission to give this company my personal information on this alleged debt it is now XXXX XXXX and this company is still reporting in inaccuracy information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (I do not know) with Brumbaugh & Quandahl (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Consumer has been receiving frequent repeated calls to consumer 's phone number from ( XXXX ) which belongs to the collection law firm of Brumbaugh & Quandahl, LLC. Consumer does not owe a debt to anyone. Consumer never has owed a debt and will not be 'harassed ' by this law firm in relation to a debt. Consumer contacted ( by phone and recorded the call ) the law firm who stated they were looking for a person by the name XXXX XXXX. Consumer is not familiar with a XXXX XXXX, do n't know the person, never have known the person, and is not related to the person. Consumer made known to the law firm ( and recorded it ) that they ARE NOT to call Consumer 's phone again. Consumer has NOT given Braumbaugh & Quandahl expressed permission to contact consumer on any level. Consumer is reporting in this venue a complaint related to Consumer 's position in this matter. Consumer will file a federal and state lawsuit against Brumbaugh & Quandahl LLC, if they do honor Consumer 's wishes and 'cease ' contact with consumer immediately. Consumer does not want calls, letters or emails from Braumbaugh & Quandahl related to this matter. Consumer will not tolerate consumer 's phone ringing incessantly or periodically from Braumbaugh & Quandahl. Consumer has the right to peaceful enjoyment of consumer 's phone and home under the Telephone Consumer Protection ACT of 1991 ; ( TCPA ) [ 47 U.S.C. Section 227 ] Section 227. At NO TIME has consumer given expressed permission to Brumbaugh & Quandahl to call consumer for any reason. Under the FDCPA Section 15 U.S.C. 1692d Section 806 Braumbaugh & Quandahl are 'harassing ' consumer if they do not discontinue contact of consumer. Consumer thanks the CFPB for providing this venue as a form of documentation that can be tendered as evidence in a court proceeding if necessary. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (Credit card) with CITIBANK, N.A. (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: This card was originally with citi ( Sears ). I got ill about XXXX years ago i was XXXX and i am now on XXXX. XXXX is the only income i have. XXXX XXXX attorney XXXX XXXX XXXX continue sending me a letter threatning me that their going to ask the court to freeze money in my bank account. The only account and income i have is state social security benefits. I filed an affidavit of exemption schedule to my account on XXXX XXXX, 2015 I know they received it. The Law office XXXX on behalf of XXXX XXXX continuning to ignore that i am XXXX. This debt is almost XXXX years old. If i ever get back on my feet and healed from this XXXX the debt still is n't what they claim. My credit card limit was only {$2500.00} They continue to add interest daily. Please help me, this is stressful i 've been really sick this is the last thing i need is pressure to pay a debt i can not right now.

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 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with JH Portfolio Debt Equities, LLC (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am filing this complaint in hopes that your CFPB can assist me in resolving an unfair business dispute between my company and XXXX. 
We had salesman contact us from XXXX and offer us an attractivesolution to our advertising needs. However as it turned it was n't. 
First and foremost their salesman flat out lied to me and when hewas questioned about it, he told us we could get out of the contract for {$300.00} I cancelled within 3 days and theirsalesman kept putting me off with excuses and promises. 
The product is inferior and misrepresented. XXXX did n't let out of thecontract until 3 months later and now they say I owe them {$2900.00}. They keep putting off the customer until the bill is racked up enough for them to make money. Also the salesman that signed us up no longer works there which is who made the offer to begin with. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I hired a Attorney to defend me in a civil case. 
Attorney Charge {$3000.00} I pay {$1500.00} in one payment and {$100.00} dollar payment. I made 5 payment. I called the Attorney to find out who the case was going and he never provide me prove, nor case was file. Attorney told me my case never made it to court and I ask him for prove of his work, he refuse to provide prove. 
I told the attorney. No case to continued no more payments to his office. 2 year later I get calls from a collection agency that I had a Medical collection to pay. I get calls at home and recordings that I should make payments or they will take me to court. Recording disclose I should call investigator on this case, or I will be prosecuted. I called AARGON AGENCY time to find out is the collection agency making the calls. Collection agency is going after me for a medical collection.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: I have an account with Conns and my payment are due on the XXXX of the month. I was told originally that my payments will be due on the XXXX of the month. I receive up to 35 calls per day and have advised the representatives that this is harassment. Today I received a phone call at my employer and advised them not to call. The representative hung up. Then I called back and was told they do not have an employer phone number on file for me. When I asked to speak to a supervisor, I got XXXX ID XXXX and asked her to take my employer out of the system that this is not a contact number for me. She advised that she was able to locate the number in the system and has marked it as do not call. I advised of the multiple phone calls to my cell phone daily and she advised that the company is within there rights. I advised her that as a consumer this is harassment and I that I will be filing a complaint with the Federal Trade Commission. I was also advised that I would have 12 months of no payments, no interest and during one of the phone calls, I was advised that once you are late, this goes away. I explained that I was not advised this at the store and told the representative that I was deceived upfront. They also added some kind of insurance on my account automatically for an additional {$500.00} that I was not aware of until I received a letter in the mail. I explained to them that I have my own homeowners insurance and that has yet to be removed. And I also advised them that my balance on my credit report show over {$5000.00} but I only purchase {$3400.00} worth of merchandise. This still has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX in XXXX I bought a home in XXXX CA and it cost me {$570000.00}. I fell for the interest only for five years and in XXXX, I was able to refinance through XXXX Bank. For the past 4 years, I have never been late. I always pay my mortgage on time and pay extra on the principle. in XXXX, XXXX sold my home to a Debt Collection agency named Bay View. This agency uses fraudulent accounting systems. Every month I send extra money to pay off the principle, they set the money aside stating just incase I do not send full payment. When I use the phone to talk to them, the amount noted by phone that they received is thousands of dollars less than what I send. My payment is {$2000.00} per month and I send it {$3500.00}. I make the statement reflect that {$1500.00} if for additional principle payment reduction. Since XXXX of last year, each statement I receive does not reflect the additional principle until I call and have a great amount of XXXX to the point that I am on medication in order to deal with the XXXX they are causing me. In addition, there online service is so useless. I tried to send them an email and it did not go through. I tried to file a complaint, the complaint form was not available. It has been 12 months since I have been living in this nightmare called Bayview Collection Agency. I did not authorize XXXX to sell my home to BayView and Bayview is not a bank. It is a debt collection agency making me feel that they will eventually make me lose my home. They charge me interest on the higher amount instead of the amount after the principle is reduced. I sent {$3000.00} for the month of XXXX and XXXX of XXXX to be paid on the principle and they are holding my money into a special account. This is against the law. I am trying to pay off my home sooner so I do not have to deal with their fraudulent calculation. Can you please help me? 
I am so XXXX and feel they are ripping me off. They are not available to speak to on Sundays when I usually get a chance to finally check my mail. I work out of town and sometimes I do not get the mail during the week. You can call me on my cell phone XXXX XXXX XXXX XXXX. I wonder how many home owners in the state of California are not able to pay their principle down if they choose to do so. How do I get my account from under a debt collection? Who do I call? Do I have to pay a fee to get rid of this unethical agency? Is it legal for them to hold my money and not apply it to the principle as I ask? Is it against the law to pay my principle down? I am living a night mare and I am severely sick and ca n't possibly function knowing that there is an agency out there that is ripping me off. I work very hard even though I am legally XXXX. Can you please investigate this agency? And see what can I do to get my loan with a bank that will help me lower my monthly payment?

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (KS).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage bought my mortgage earlier this year. They increased my payment due to an increase in the escrow payment - I have no problem with that. However, I did not get notified of the increase. I always pay my mortgage electronically, and always have included more than the amount due. In XXXX, I got a notification from Carrington that they had not received my mortgage payment. I checked my bank records, and they indeed had cashed the electronic payment. When I called to enquire about why they thought they had not received it, they told me that they had increased my payment, that the amount I had paid was insufficient, and that they did not accept partial payments, so it was the same as if I had paid nothing. I made a payment at that time to bring the account up to date but told them I was disputing the {$82.00} late fee - which the Customer Service person said was kept in a separate account anyway. When I tried to change my electronic payment to the new amount, my bank said the payment was already being processed and could n't be changed, so I sent an additional {$100.00} to Carrington to cover the increased mortgage payment. I then changed all subsequent payments to the new amount. I received another letter from Carrington in XXXX saying that they had not received my payment for XXXX. Again, my bank records show that they cashed the original payment and the additional {$100.00} payment. It should be apparent that they now owe me money, as the {$100.00} more than covered the additional escrow increase. 
I have received numerous additional notifications of non-payment - every month - despite my bank showing that they have cashed the electronic payments for the exact amount required. I have tried to talk to their Customer Service, but it is apparent that the only thing they can do is take a payment over the phone. The first time I called in XXXX, they acknowledged that they had mis-credited my XXXX payments, but I still get notifications of non-payment EVERY month. I have bank statements to prove all of the payments. I have made approximately XXXX calls to their customer service, and they repeatedly put me on hold for XXXX minutes at a time. I 've even had XXXX of them ask me if I can just call back Monday - which I assume is when she would n't be working. When I ask to speak to a supervisor, they dump me into voice mail. I finally tried calling their corporate offices - good luck with finding anyone who has an idea how to resolve this without just calling Customer Service, which is useless.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Trouble during payment process

Complaint: I recently experienced hail damage on my roof in XXXX when a storm came through XXXX. I filed a claim with XXXX XXXX on XX/XX/XXXX. After the adjuster came to the house a final report was completed and a check was issued and mailed to me. Per my instructions, I forwarded the check in the amount of {$6100.00} to my 2nd lien holder ( XXXX XXXX ) for endorsement after a couple of weeks of waiting, I called in to check status and was told that my mortgage had been service transferred to Bank of America ( "  BOA '' ) and that they had forward the check to them for endorsement. After waiting a couple weeks for the transfer to take place I started calling BOA to check status. Day after day, week after week, they continue to tell me that they were still receiving mail from XXXX and that they had n't received the check. After two months of waiting, BOA advised that it appeared the check was lost and that I should have XXXX reissue a new check. As such, I contacted XXXX and they put a stop check on the original check and reissued a new check. On or about XX/XX/XXXX, I received the new check and sent it overnight directly to BOA for endorsement per their instructions. I followed up a week later to check the status of the check, and was advised it was still in processing being endorsed and it should be completed within 2-3 business days. On or about XX/XX/XXXX I followed up a week later and was told the proceeds had been wired to XXXX, my 1st lien lender. So I called XXXX, and was told they had not receive any proceeds and that they did n't even accept wires. I called back into BOA, each time holding anywhere from 10-30 minutes for a representative. This time, I reached XXXX ( ID XXXX ) who advised that a check had been sent regular mail to XXXX on XX/XX/XXXX and I should give it 5 business days to arrive. After waiting a week, I called XXXX, and of course they had not received it. I called again a few days, later, still no luck. Finally, today on XX/XX/XXXX, after calling both companies twice to check status, I finally got XXXX ( ID XXXX ) at BOA to do more research and tell me that they had sent the check via XXXX on XX/XX/XXXX to XXXX. I confirmed the tracking number online and confirmed that XXXX XXXX of XXXX had signed for the package. It has been almost three months since the first check was issued, I still have no proceeds, I have had to reschedule the roofers twice, I have sustained additional damage to my interior due to holes in my roof and the subsequent rain storms that are now not accounted for in the adjusters report. I am beyond frustrated and desperate to get this resolved, but have no way to get any help and each servicer just keeps pointing the finger at the other. I have no other ideas other than to ask the CFPB for help.

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 09-12-2016 about Credit card () with WELLS FARGO & COMPANY (NM).
Issue: Other

Complaint: I received a call from an Indiana number XXXX at XXXX XXXX today XXXX XXXX, 2016. I heard an automated message saying something about my XXXX credit card eligibility for something, I do not remember what exactly, but I do not use credit cards so I knew the call was bogus. I followed the instructions to press XXXX to continue on. I was connected to a real person who proceeded with a script which I interrupted asking him how it was that they got my number because I do not use credit cards at which point the man on the other line promptly ended the call. I called the number back and the line beeped the way a disconnected line does. I regularly sign petitions concerning the environment and civil issues and I believe my identifying information has been thus compromised.

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 08-03-2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: The politically, recklessly and knowingly '' closing HSBCs direct Deposit Acct ends in XXXX ( bankcard ends in XXXX ) and Acct ends in XXXX ( bankcard ends in XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I had a lien from  XXXX  County Georgia on my credit report. The lien was " withdrawn '' by the state, but Georgia has no process to report to credit agencies that the lien was withdrawn. The report is showing the lien as " released '' which was true at one time, but now the state has " withdrawn '' the lien but does not have a system in place to report to the agencies. You will see that I have attached the delinquent tax payer list directly from the Georgia website and my name is not on it.    XXXX    and   XXXX    have both removed the item from my report, but Equifax reported back that the lien is justified. It should be removed since it is a " withdrawn '' lien.

Company response to consumer: Closed with explanation