milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/24/2017 about Mortgage (FHA mortgage) with FIRST CALIFORNIA MORTGAGE CO., INC. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I purchased a home in XX/XX/XXXX in XXXX, California, using an FHA mortgage, FirstCal as the lender, and XXXX XXXX as the appraiser. <P/>InXX/XX/XXXX, I was applying for a refi to simply shift to a conventional mortgage while rates were still low so I could lower my PMI. At the time of purchase, I did n't understand that the PMI on the FHA loan was for the life of the loan. I wanted a conventional loan prior to predicted increases in interest rates. During the process, I was notified by various banks ( XXXX, XXXX, and XXXX ) that the original appraisal appeared fraudulent and the lender backing of such an appraisal should have created red flags and concerns during the appraisal review. <P/>My home is a half-plex two bedroom/two bath home. The XXXX noted 2-3 bedroom ; however, it is clearly two bedroom - there is no den, but there is basically an enclosed porch surrounded by windows with no closet and a tile floor - not a bedroom. The original inspection noted 3 bedroom and only 3 bed comparables were used in the appraisal - no two bedroom equivalents. In addition, the original appraisal noted the square footage at 1538 sq ft whereas the actual square footage is 1495 sq ft, this difference at the cost per sq ft equals approximately a {$13000.00} increase in value compared to the correct square footage of 1495. The most recent refi attempt was halted due to it accurately being appraised as a two bedroom with 1495 sq ft and thus a lower value. XXXX County Accessor documents reveal a floor plan with 2 bedrooms and an addition of a 'sewing room ' ( built in XX/XX/XXXX ). The VP at FirstCal has verbally acknowledged to my father that it appears to be a 2 bedroom, but also noted that they have no responsibility as I am not a current client ( they sold my loan ) and that the appraisal matches tax records ( bedrooms - yes, square footage - no ). They did not review the provided material during the first loan process and at this time refuse to aid in resolution other than offering to refi at a higher than market interest rate. <P/>I 've attempted to work with FirstCal and XXXX XXXX. On XX/XX/XXXX the FirstCal compliance ( XXXX XXXX ) office noted in a letter that they would issue a ruling within 30 days. During those 30 days, I 've talked to a VP ( XXXX XXXX ) and the President ( XXXX XXXX ) of FirstCal. I 've never received a formal response as promised. Their approach was to refi the home at a higher than market interest rate and the VP assured me that the home would appraise as a 3 bed. This response also seemed fraudulent in nature as he is making assurances without seeing the property and after verbally acknowledging that the floor plan clearly shows a 2-bed home. The floor plans that they have seen from the county accesor clearly show 2-bed with an addition built 16 years ago that is classified a 'sewing room '.

Company response to consumer: Untimely response
Consumer complaint received 06/22/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2016, an unauthorized ACH posted to my TD Bank account in the amount of {$2000.00}. I went into the bank on the day it posted and signed a dispute claim. Three weeks later, I saw that the money was still not refunded to my account. I called TD Bank 's fraud department to get a follow-up, and was told that the dispute had been resolved in the other party 's favor because the other business claimed I had in fact authorized the charge. The member of the fraud department to whom I spoke could not give me any information regarding the entity that debited my account, what evidence had been provided suggesting that I had authorized this ACH, or tell me what else I could do to get my money back. 

Imagine that your bank account is debited {$2000.00}. You go into the bank and tell them that you did not authorize the dispute. Three weeks later, the money is not back in your account, and when you call their fraud department to inquire, they tell you that you are n't going to get the money back and that there is simply nothing else they can do to help you. This is what TD Bank has done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX, I requested a loan payoff from Seterus Inc, through their website, which states it will go in my secure inbox within 3 days. They have now taken the three days comment down due to my complaints, so I guess we get it, when we get it now. Anyway, I talked to XXXX on Thursday because it was not there. XXXX informed me that was a mistake and it takes 7-10 business days. She was rude as well, so I complained to the FDIC and called back because think about this, how much money does Seterus make by putting off giving those payoffs in a timely manner based on people 's daily rates? Mutliply all the other customers they do that to. They told my lender they get XXXX requestsa month. That is a lot of sonsuer money. I got XXXX the next time, who lied and said I did n't request the buyout until Monday the XXXX, but she would see that I should get it by Friday morning. I still had nothing, so I spoke with XXXX who saw my original request and she would see if she could expedite it at another 1-3 business days. I got the request later that afternoon. Here it is- XXXX , XXXX XXXX PAYOFF STATEMENT IS SUBJECT TO FINAL VERIFICATIONNext Due Date of Payment : Interest Rate : Current Principal Balance : Unpaid Interest to XXXX XXXX, 2015 : Escrow Overdraft : Interest Arrearage : Escrow Arrearage : XXXX XXXX, 20153.99000 % {$320000.00} ( Future XXXX bill for taxes ) XXXX Open Charges Through XXXX XXXX, 2015 : LATE CHARGES : XXXX Additional Charges Through XXXX XXXX, 2015 : Homeowners Insurance : XXXX ( Homewoners Insurance due in XXXX ) Prepayment Charge : XXXX Suspense : XXXX Expense Credit : XXXX Amount Secured by the Mortgage or Deed of Trust : $ XXXX Cost to Release Documents : XXXX Estimated Payoff amount due as of XXXX XXXX, 2015 $ XXXX payoff statement expires on XXXX XXXX, 2015. 
If you have any questions, please contact us at our toll-free number below. 
Sincerely, Seterus , Inc . 
XXXX notice all the extras like my tax bill, which is n't due until XXXX and my insurance, which is n't due until XXXX. You also include the daily interest and the late payment, which would n't be late if I had gotten the payoff. Now bear with me, I had torequest it again. Are they going to do the same thing where I can never leave them due to poor payoffs? What underwriter can use this? Plus, it appears that if they try to inflate my buyout, it will make it harder to refinance through the XXXX XXXX is a XXXX veteran. Both of us are on the loan. If I am having to leave XXXX in escrow with XXXX bank and paying XXXX for the same for future escrow, that is XXXX in escrow during the transaction for the refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (I do not know) with Security Credit Services, LLC (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Hi, I 've been contacted many times by this collection agency and they are claiming it 's my debt when it 's not. I 've repeatedly asked them to stop and put it in writing for them to stop. I 've disputed the validity of the debt and the only thing they have on me is a SSn. I do n't know what to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a consumer who has been a victim and I know my rights. on XXXX XXXX,  2017 their were four inquires that was reported to my credit report without my consent. I have tried numerous of time to have them disputed from all three credit bureau so far I had no luck . I also submitted the request from the actually company that I have never heard of. well after 15days went by no one seem to help. I've called numerous time but no change has been made. As a consumer I have rights. the fact that I have a fraud alert on my credit report the company  still manage to run my credit without my consent. the following companies that ran my credit on the XX/XX/XXXXXX/XX/XXXXwas consumer portfolio service, inc,  XXXX, XXXX XXXX XXXX XXXX XXXX and others. It would a huge help to have these credit inquiries remove off my file that way I can have a better start in rebuilding my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
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: This was to be removed from credit file due to the case being dismissed also courts has confirmed this should be removed.I even called on 3 way with the Bankruptcy courts on the line this should be deleted from credit public records file. <P/>Reference Number XXXX Date Filed Reported on XXXX XXXX, 2014 Classification Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Vehicle loan or lease (Loan) with EXETER FINANCE CORP. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a  XXXX   XXXX   XXXX   XXXX  with Exeter Finance Corp . I have had issues with the company from the start with their collection tactics as well as the predatory interest rate I had with them. I voluntarily surrendered the vehicle back in  XXXX   XXXX . On each occasion I contacted the company to make sure that this will show up on my credit as a voluntary surrender as well as contacted to see when they would pick up the vehicle. I havent heard anything else from the company since I had made initial contact. I checked my credit on  XX/XX/XXXX  and discovered I had a charge off from the company. I immediately contacted them by phone where I verified my current address twice with them. I asked them why they havent sent me any accounting of my account with them. They stated that they did and they received a return sender letter. They also stated that I didnt update them with an updated address even though I have had the same address since the beginning of the loan. I requested that they send a copy of the return sender letter for proof they did attempt to send me an explanation of proceeds in which they couldnt provide. It wa s one r epresentative that I spoke with that went as far as saying that the charge off was going to stay on my credit because I didnt comply! I never received anything from the company to comply with!  A manager at Exeter stated tha t I should dispute this issue directly with the credit reporting bureaus. The lack of assistance, unlawful reporting and unethical, deceptive practices by this company is extremely frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Medical) with Merchants and Medical Credit Corporation, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There are 2 accounts which i paid in full ones for XXXX n the other is XXXX they both been payed in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2015 about Debt collection (I do not know) with Platinum Holdings Group, LLC (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX XXXX is attempting to collect a debt from a company I know nothing about. She threatened me and stated " she was going to contact my employer and there was a warrant out for my arrest from check enforcement. I asked for her to submit a document to show I owe this debt but was unsuccessful. She calling from XXXX. Not sure what to do becuase she harassing me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient took all of income tax refund. XXXX. 5 months to date and still have not applied it to the loans. They continue to charge late fees and interest. With the XXXX, XXXX of the loans could have been completely paid off. I dont believe I am responsible for late fees or interest since they have had the funds all along.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has claimed that account details have been verified without any documentation in regards to accounts reported by XXXX XXXX XXXX and XXXX XXXX XXXX yet I am the only party providing documentation against all these fradulent accounts. I would include XXXX XXXX but I will take Equifax at their word when they claim that this account is no longer on my report. I have provided a settlement agreement to Equifax reguarding XXXX XXXX XXXX when I used ther representative in court and the settlement clearly states that this debt can never be collected on by anyone, yet Equifax reports this because someone says so. XXXX XXXX XXXX has refused to provide any agreement in regards to this account, yet Equifax reports them because XXXX XXXX XXXX says so. XXXX XXXX XXXX has never stated what was on this account and if it is a computer, has never tracked down where this computer is, yet Equifax reports it because XXXX XXXX XXXX says so. XXXX XXXX XXXX has changed the address and names on the reported account, yet Equifax reports this because XXXX XXXX XXXX says so, XXXX XXXX XXXX claims to have filed a document that reports their account as income, yet Equifax reports them because XXXX XXXX XXXX says so. I am the ONLY party providing documents yet these accounts are reported because someone says so. I am including a letter from XXXX XXXX XXXX through the CFPB showing that XXXX XXXX XXXX claims to have filed a XXXX and that they are holding my credit ransom on a fradulent account by continuing collections, I will also provide a document from XXXX XXXX XXXX that shows a second name and that the name is my wife 's yet her maiden name is on it, almost a year after we were married on XXXX XXXX, 2012 and after my wife did change her name at a XXXX XXXX XXXX branch in XXXX Virginia XX/XX/2012 with a social security card and a drivers license with her married name on it and provided a copy of her card to Equifax. This is the last time documents will be sent before I file my lawsuit against Equifax. I have tried to keep this out of the courts but Equifax refuses to give me a fair investigation. Name, Address, Social Security Number, and Date of Birth being provided by a company is not the result of a fair investigation, as someone had this information to set up these accounts. Everything else that was reported months ago had shown fradulent activity and were removed so what makes the last XXXX accounts different as these other companies also said my information was on there but the accounts were fradulent. 6 days until court papers are filed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage took out my mortgage payment twice this month. My bank stopped payment on the second mortgage payment which had the same draft data as the first payment. I called Nationstar to notify them of the error and the next day they took the money out again. So my bank covered the funds and removed overdraft fees so the bills i was paying with the funds that Nationstar took out of my account could be paid ( things like electric bill and credit card payments ). Called Nationstar again ( this was before a big snowstorm that would have left me in the red with no funds for supplies ) and they admitted their error and paid back the second mortgage payment funds. My bank then took out their temporary coverage but I am still cleaning up the mess Nationstar made of my finances. I suppose I should consider myself lucky considering what some on this web site have endured. I am so sorry for you and empathize deeply. Doing business via XXXX XXXX is not the way to run a business. BTW my mortgage was first owned by XXXX, then sold to XXXX, which refused a refi after many attempts via federal HAMP program ( 3 years process, lost paperwork-so they say -- numerous times, many different agents, started over and over again ), then sold to Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX, XXXX, a check was deposited into the XXXX XXXX XXXX XXXX XXXX TX BBVA Compass branch ATM. An hour later the deposit had not shown in my account. I called BBVA and spoke to a male agent who was said he was researching the deposit and put me on hold. After about 10-15 minutes of this, the agent hung up on me. I called back and spoke to another agent who said the investigation department was closed so I had to call back the next day. I called back today, XXXX XXXX, XXXX and reached a female agent. I was on the phone with her for 24 minutes and was on hold for about 10 minutes after I told her I need to speak with someone who can credit my account with the funds since they were sitting in the BBVA ATM. After I was hung up on, I called again and spoke to a male agent who finally gave me dispute # XXXX. He put me on hold and called the investigators department. He came back on the line saying they would not speak to me. I then spoke to the agent 's supervisor, XXXX # XXXX who refused to provide resolution. 

This money was to pay my driver. I am a new XXXX XXXX XXXX who does not have extra money sitting around to cover my driver 's pay twice. It was a malfunction of BBVA 's  ATM and I should not be penalized for 10 business days due to their machine malfunction. I want my account to be credited within 24 hours of receipt of this complaint, if not sooner, of the {$260.00}, which is the amount sitting in their ATM. 

This is the worst customer service I have ever experienced with slow, out-of-date processes, no consideration being made for customers being damaged financially due to their malfunctioning machinery, and phone agents who make it impossible to get solutions to help their customers keep their businesses running smoothly. This is not an institution that is in it to help small businesses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo failed to mention that there was a balloon note in my mortgage in XXXX. When I did the modification in XXXX I again only signed one page and sent it back not seeing a full disclosure. I received a letter in XX/XX/XXXX stating they failed to include, in a written document, a reminder of balloon note. This was my first indication of it and I had no previous knowledge about it. I believe I was taken advantage of as a senior citizen. I wrote letters and called the Presidents office. I received a letter stating they would investigate. 
In XX/XX/XXXX, I went to the Wells Fargo Mortgage Center in XXXX California to retain a full copy of my loan papers and check with what I had been previously given. In those documents I did not receive a truth in lending disclosure or pages 16-19 & page 22 were not in my papers or copies I received initally at Wells Fargo Home Mortgage. And I realized they had deceived me in this process. I 've been paying mortgage but with the outrages balloon payment and outrages rate I am at risk of foreclosure, although my loan is up to date.

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 01/29/2018 about Debt collection (Other debt) with ERC (SC).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I reached out to ERC about my account in the amount of about {$1400.00} for an old phone bill I had for someone. I attempted to get a written payment arrangement so I could try to settle this account. The gentleman refused to give me a written payment arrangement and told me to contact them when I have money which was very unprofessional. He said that his company doesn't do payment arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with VW Credit (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 traded in my lease for a  XXXX   XXXX  at  XXXX   XXXX  in  XXXX   XXXX . I only had 2 months left on the loan.  XXXX   XXXX  was to pay off the vehicle and sent the info to VW credit. In  XXXX / XXXX / XXXX  I declared  Chapter   XXXX  Bankruptcy. The vehicle was included because the paperwork to close out the lease had been lost, therefore, my attorney told us to include the car which was a lease. I have been disputing this since the discharge of my bankruptcy in  XXXX  and VW Credit continues to report erroneously the status of the account on all  XXXX  Credit Bureaus. They have passed the 45 day time frame & at this point I want the item removed since they refuse to correct. They are showing the last day of status as  XXXX  which in violation of Chapter  XXXX  which should not show any negative items on the credit report past the date of filing  XXXX . Furthermore the vehicle was paid every month and traded in on time. VW Credit is intentionally attempting to damage my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent 2 certified letters ( 1 ) received XX/XX/XXXX and signed for by XXXX ( 2 ) received on XX/XX/XXXXsigned for by XXXX. 
I have disputed this account with I.C. Systems 2 times for an account that says I owe {$540.00}, both times requesting documentation and neither time have they responded with any documentation bearing my signature that i have a contract with them. According to the FCRA if they cant produce this it must be removed and never reappear on my credit files with any credit bureaus.

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