milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2015 about Mortgage (VA mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have previously submitted XXXX complaints regarding our mortgager PHH and the illegal sale of our home. We were in foreclosure in the XX/XX/XXXX and were in the process of completing a mortgage modification application. PHH sold our home on XX/XX/XXXX. The sale occurred prior the the deadline for submission of required documents. When we brought this to the attention to PHH and the XXXX, PHH rescinded the sale almost 2 months later. This was after we moved out of our home out of fear of a sherrif 's eviction and a local realtor pressuring us. We have experienced stress and financial burden as a result of this. In a prior complaint with the XXXX, PHH responded, stating that an offer for modification was given in XX/XX/XXXX and was not returned by us. This was immediately after the sale rescinding. We did in fact respond to the modification offer in a letter stating that we were officially opting out of the offer. A letter was sent to PHH and we verified receipt. 
We are in the process of suing PHH for fraud, breach of contract, and damages - as a result of the illegal sale of our home on XX/XX/XXXX. We are asking that you be part of the monitoring process, or if possible, assist us with this. 

We have made initial contact with XXXX XXXX, liaison to the office chairman at PHH - XXXX X XXXX We have tried unsuccessfully this week to speak to an attorney at XXXX and XXXX, who represents PHH, - XXXX. 



Please see attached documentation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Application, originator, mortgage broker

Complaint: Note : this issue relates to an active offer to purchase a short sale property. 
1. A townhouse XXXX XXXX XXXX, # XXXX was listed for sale in XXXX 2016. We made an offer for {$400000.00} for this property through a realtor and was accepted by the seller in XXXX 2016. 
2. We understood then that this property was a short sale and required approval from the bank. According to the realtor, public records indicate the mortgage was taken by the seller through Bank of America. 
3. Since XXXX the bank has been going through its approval process. 
4. During the process they requested loan approval letters and financial documents three times from us. 
5. We were told by our realtor the final hurdle was a BPO for the property to be conducted by the bank. 
6. Per your communication the BPO was calculated to be {$410000.00}. 
7. The realtor then informed us that the bank wanted additional {$10000.00} from the seller in order to close the deal. 
8. We informed our realtor verbally that we were willing to increase our offer to match BPO amount making our offer {$410000.00}. 
9. Two days later in a phone call to our realtor, the realtor mentioned that the bank wanted an additional {$40000.00} without any explanation as to the reason for the increase. 
10. On hearing this increase, we requested a formal response or explanation for this increase as it was way above the assessed value/BPO ( conducted by the bank ) of {$410000.00}. 
11. We were not given a response. Our realtor suggested we cancel the transaction as 'there is nothing else we can do '. We do not understand why we are being requested to cancel or withdraw the transaction since we are interested in the property. We do not understand the increase in the amount from {$410000.00} ( BPO amount ) by another {$40000.00}. 
12. We suspect there is a foreclosure/short sale scam going on in the sale of this property. We have not been given an explanation from the bank or sellers agent as to the status of our offer that was previously accepted by seller and is the same as the bank assessed value of this property. 
13.We would lrequest CFPB to look into the short sale status of this property and help us understand if what the bank is doing is legal or if there is a foreclosure scam preventing us from getting this property.

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 02/14/2018 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: Have been attempting to unsuccessfully get the following negative items deleted from my credit report as I believe them to have been added to my credit report not in compliance with current Consumer Protection laws XXXX XXXX XXXXccount included in bankruptcy reported on XXXX Chapter XXXX bankruptcy filing on XXXX, Transunion and 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 08/31/2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (NJ).
Issue: Settlement process and costs

Complaint: Citigroup XXXX Inc is the parent company of Citifinancial which slandered the title of my real estate property for XXXX years.Citifiancial acknowledges that the disclosure statement and Deed of Trust only has XXXX signature, and not XXXX ; which is a violation of Maryland XXXX. 
Citifinancial placed an illegal lien ( SLANDER OF TITLE XXXX on my property on Febuary XXXX. There are XXXX people XXXX XXXX XXXX and XXXX XXXX XXXX that are on the deed. XXXX XXXX never signed any paperwork for a mortgage or home equity loan XXXX CitiFiancial admits to this fact- see attached documents ) ; therefore a Lien can not be placed on a property, according to Maryland XXXX XXXX XXXX Citifinancial admitted in a correspondence dated XXXX/XXXX/XXXX, that " they made a mistake. '' But, this mistake cost me and my uncle a lot of money because of their " INTENTIONAL MISTAKE. '' We were unable to sell the property, suffered tremendous pain and suffering and extreme financial difficulties. 
On XX/XX/XXXX, Citifinancial took the deed of trust and other documents to XXXX XXXX XXXX for the placement of a lien on my property, total aware of the fact that ALL signature were not present ( CitiFinancial admits to this fact ). This is SLANDER OF TITLEBecause of my Active Duty Status, I am not under Statue of Limitation Laws, because of the Sailors Soldiers and Civil Relief Act.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 sumbitted a request to validate collection accounts on my credit report. The letter stated for the credit to have the collection agency provide original documentation to prove that these accounts are mine. I was sent an email notification that my investigation was over but they have failed to tell me how they validated 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 01/21/2018 about Debt collection (Medical debt) with Merchants and Medical Credit Corporation, Inc. (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have two medical debts appearing on my credit report from Merchants & Medical that I 've disputed on two different occasions and they have yet to properly validate each debt with original documentation or anything with my signature attatched.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have engaged Wells Fargo in discussion about the wrongful foreclosure process on my real estate security. The following occurred in conjunction with my loan : Account : XXXXReal Estate Residence:XXXX XXXX XXXX XXXX , CA XXXX ) Wells Fargo falsely stated that I should default on my mortgage to obtain a loan modification. Such advice got me behind on my mortgage to which point I could no longer maintain payments without a loan modification. 

2 ) Wells Fargo falsely told me that a short-sale was not possible within the last 6 months leading up to my foreclosure. I found out that this was not true and could have saved my security. 

3 ) Wells Fargo 's customer care and recovery group has bribed and lied to me on many occasions regarding review of my loan. They will not furnish proof of review, recorded conversations, nor led me speak directly with their Vice President despite numerous requests. 

4 ) Wells Fargo has caused extreme grievance, undue XXXX, and sickness as a result of the foreclosure process. It has come to my attention that some of the people I worked with or attempted to contact at Wells Fargo are no longer with the firm making it difficult to gain traction. 

5 ) Wells Fargo has fabricated documents that were never sent to me during the foreclosure process. This in itself is a violation of investor and federal guidelines. 

6 ) Wells Fargo refuses to settle with me in terms of compensation for such a failed investment and wrongful foreclosure practice. I requested a settlement of {$250000.00}. Given my investment into the property, including loan payments during the course of loan amounted to {$360000.00}. 

I have worked for the last XXXX years on this case with the Wells Fargo Customer care and recovery group ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ). I have requested direct correspondence with XXXX XXXX and XXXX XXXX. Both are Vice Presidents. However, Wells Fargo has failed to comply with my requests. 

Thank you. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian continues to report late payments thru XX/XX/XXXX for a XXXX credit card account that was forgiven in full with a XXXX on XX/XX/XXXX ( see attached XXXX form ). I have disputed this account twice with Experian but they have refused to correct the error. These late payments are artificially reducing my credit score and affecting my ability to obtain necessary financing.

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 06/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I live in XXXX and have so since XX/XX/XXXX. I have been contacted by a debt collection agency that I owe a debt of XXXX. I called and they said I owed XXXX. They said I had service at a address I never lived at and it was opened in XX/XX/XXXX to XX/XX/XXXX. I called a filed a police report and called XXXX. So I wrote to the agency immediately requesting to dispute and press charges. I get a letter a week later saying due to lack of information provided they been unable to complete my investigation. When I wrote them, I sent them the lady name which is XXXX XXXX XXXX and also her current address and current phone number. I do n't go to XXXX and have n't been since I left. I know XXXX from living on the same block with my mom. I had opened a welfare case and when we moved I vlosed my case and never had my mail forwarded and I 'm thinking she got it from mail. I know XXXX fraudulently used my information and I had no knowledge of it. I contacted XXXX when I received the letter but of course she denied using it and said that she lived at the address but do n't know how this could of happened and stated that she know I never lived there. I aslo told her I was pressing charges. She said she will wait on them to contact her.Please help. I looked on my credit report and it was never on my report. So this has been haunting me down XXXX years and how can I find out what else she might have used my information for? Thanks in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I received a notice dated XX/XX/2016 from XXXX notifying that they made a claim for payment on the FHA mortgage insurance. The notice also stated that FHA sold my mortgage loan to XXXX and that Carrington Mortgage Services, LLC ( " CMS '' ). 
The notice further stated that as a result of the assignment of my mortgage to HUD, the payment by FHA of the FHA mortgage insurance claim and the [ mortgage insurance ] was terminated and not further premiums are due by me. 
I have been experiencing financial hardship so on XX/XX/2016, I completed the CMS 's Request for Mortgage Assistance ( RAM ) package seeking to modify my current mortgage loan. 
On or about XX/XX/2016, I received a Trial Period Plan Agreement letter dated XX/XX/2016 ( " TTP Letter '' ), whereby the following modification was offered : TTP Schedule TTP Amount Due Date Good Faith Payment {$10000.00} XX/XX/2016 1st Trial Payment {$2100.00} XX/XX/2016 2nd Trial Payment {$2100.00} XX/XX/2016 3rd Trial Payment {$2100.00} XX/XX/2016 The TTP Letter further states that once the Trial Period Plan begins, if I do not meet the terms of this Plan and your are not eligible for any other loss mitigation option, CMS may, without further notice to me, terminate the Plan and commence or continue collection and/or foreclosure proceeding according to the terms of my Note and Security Instrument. 
On or about XX/XX/2016, I have received a Notice of Intent To Foreclose dated XX/XX/2016 if I did not pay {$160.00}, XXXX. 
The Good Faith Payment in the amount of {$10000.00} is tantamount to a down payment in order to get a loan modification. CMS knowingly and purposely offered a trial period plan that failed to modify my monthly mortgage loan payment to an affordable amount in order to avoid foreclosure and is demanding that I pay down payment of {$10000.00}, which I clearly can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit card or prepaid card (Government benefit card) with Xerox State & Local Solutions, Inc. (FL).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: I have been trying to receive back child support for years. Since  XXXX  I constantly checked my Eppicard and the balance was  XXXX  cents for years. On  XXXX   XXXX  I received an  XXXX   XXXX  card with child support on it and I found this strange so I went to Child Support Enforcement and went to the Clerk of Courts and received an audit that stated my child support was being paid all along. When I got home that day  I call ed Eppicard and was told I was issued  XXXX  cards and over  XXXX  was deposited since  XXXX . My card still stated the  XXXX  cents. I was told I must of spent the money and forgot, I ordered  XXXX  cards in four years and funny I still have the original since child support transitioned to debit card.  XXXX   XXXX  I was issued a new card cause I started an investigation with there fraud dept and the new card issued is one of the numbers on transactions from  XXXX ??? Then the other transactions that I never made were on a different card. On the statements there are large deposits made then withdrawled by who?? Not me cause I was still going to the courts, writing letters till  XXXX . What brings me to you is Eppicard stated they closed the case cause I did not file fraudulent charges in a timely fashion and how could I do that when my card still stated  XXXX  cents. They sent me transaction statements  XXXX   XXXX  and I followed all the proper procedures and still told case closed. My daughter and I were robbed of  XXXX  dollars and no accountability is being taken. I reviewed  XXXX  cases of the exact same situations from other Eppicard holders. I 've contacted an Attorney but they want a  XXXX  down and went to the courthouse but modifications ca n't be made cause money was deposited and applied to the Eppicard. The entire responsibility is on Eppicard for mishandling what is due me and hundreds of others. I need help recovering what is due me. I asked Eppicard fraud dept to investigate, get signatures and match to mine, get video where withdrawals were made anything they said case closed! Please, any assistance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have a CitiMortgage loan account it went past due back in XXXX or XXXX I got a letter from XXXX XXXX XXXX saying they could help me work out a repayment plan with CitiMortgage. So i paid them a lump sum up front and made payments to them for 18 months. Then i found out they did nothing for me at all they just took my payments and got me more behind with CitiMortgage. 
Since that time i have been trying to get my loan in some kind of repayment plan But CitiMortgage is very unwilling to work with me They keep asking for documents that i have already sent over and over again. 
Then CitiMortgage started coming up with other reasons such as your interest rate is lower now then what we can offer you. 
You have already had loan Modifications in the past we can not offer you another one. 
Your paperwork was not sent on time to stop your foreclosure. 
In the last year i have received loan modification paperwork from CitiMortgage but then i was told it was not approved or sent by CitiMortgage. 

These are the problems i am having with CitiMortgage besides the fact i have asked for copy 's of my loan documents from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, So i can find out what kind of fraud is going on with my account. 
Instead i get the run around and to this date i have not seen one document i have asked for all i want to do is resolved this matter. 
I have told CitiMortgage many time i believe my account information has been tampered with and it need to be looked at, There answer to me is. OH IT IS SET FOR A FORECLOSURE SALE AND I CAN NOT STOP THE SALE. 
There is a sale date set for XXXX/XXXX/XXXX I need this canceled until we can get to the bottom of the fraudulent activities going on. 

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a report from Experian stating I received a negative report on my credit history. I contacted them and Experian sent me a report from Experian  XXXX   XXXX . The report lists a Late rent payment made in  XXXX    XXXX   to management of  XXXX   XXXX .     I am not the responsible party for the late payment. I attempted to make direct payment by check to their office several times, as I have always done on prior occasion, to no avail.      1. Exterior  " after hours '' payment drop box was fixed shut so as not to allow direct payment via this method ( as normally done for previou s two years ).     2. Office was ( understandably ) close d on  XXXX   XXXX   ( d ue date ).    3. Office w as also closed all day Monday,  XXXX   XXXX . I attempted payment delivery before going to work, and again after work  4.  On  XXXX   XXXX , I again attempted payment delivery around  XXXX  before going to work but office was not yet open. Upon return after work around  XXXX , I yet again attempted delivery but office was closed.    XXXX . On  XXXX   XXXX , I delayed going to work until office opened at  XXXX  and handed payment to office personnel, then went to work late.     The following day I received a rather unseemly note attached to my door stating that my payment was late and must be payed immediately by cashiers check to also include a late payment fee of {$120.00}, even though my payment had been accepted by office personnel the previous day. As a resident of this facility for some three years, having always paid my rent on time, and given all my attempts to pay on time in  XXXX , plus the fact that the " after hours '' drop box was disabled AND the office was actually closed and not accepting any payments for  two of the first three da ys of  XXXX , I was completely dumbfounded by this response and advised management so. At that time they apologized and told me my check was accepted and rent was considered paid.   However, the following week I was told that I still must pay the late fee of {$120.00} even though management had made the possibility of punctual payment near impossible.     I judiciously try to maintain a credit rating above  XXXX  at all times. I fully believe I made all reasonable attempts to pay this account on time and feel it is management 's mutual responsibility to take measures making client payment as convenient and reasonable as possible as well. It is unfair to taint my credit history with a late payment solely as a result of management 's measures to make client payment so very difficult.

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 07/14/2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: The lender repossessed my vehicle at XXXX months past due. This seems egregious, as I 'm on XXXX XXXX, and under medical care. This makes communication extremely difficult. The repossession charge makes it impossible to redeem the vehicle and the lender has shown no willingness to work with me regarding that. This is a hasty reposession and unneeded as I had been paying each month and had not exceeded XXXX days past due. I want to redeems vehicle, and think the hasty actions of the lender make redemption with the added costs unbearable. This is discriminatory and predatory lending practices.

Company response to consumer: Closed with explanation