milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It Might Concern, I am a XXXX XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. After about 1 year battle with Nationstar, we finally received a letter for an approved trail payments for the three months XXXX, XXXX and XXXX, XXXX. We immediately sent in the months Trial payments for XXXX and XXXX payments to Nationstar from my XXXX account in the amount of {$2900.00} ( please see the attached evidence ). On XXXX XXXX, XXXX, I wired the XXXX 's Trial payment in the amount of {$1400.00}. As you can see, I paid all three of my payments trail on time or before it was due. Therefore, I received the Loan Modification Agreement in late XXXX. I then Signed document in front of the Notary and sent it back to Nationstar, with Fed Ex tracking XXXX showed Nationstar received it on XXXX XXXX, XXXX at XXXX XXXX. On XXXX XXXX, XXXX, I called Nationstar to make a XXXX 's Payment but XXXX, a Nationstar Rep Said she can not accept the XXXX 's payment due to Nationstar did not receive XXXX Payment. I was surprised and request her open the case for searching XXXX Trial Payment. XXXX said to Email and fax in the evidence of XXXX wire for XXXX Trial Payment to XXXXXXXXXXXX and I did. XXXX XXXX, XXXX, I received letters dated XXXX XXXX, XXXX from Nationstar confirming the receipt of XXXX 's Trial payment but the payment was applied to XXXX 2015 monthly contractual payment. I was confused of what the heck Nationstar is doing, that trial payment of {$1400.00} was never meant for XXXX XXXX payment, I called in right away to ask them to apply the payment to the right month : XXXX 's Trial Payment. On XXXX XXXX, XXXX, I did not see Sale date move back so I called Trustee to move it back and they asked me to send in the evidence of XXXX Wiring. After emailed XXXX the same docs that I have send to Nationstar research dept, they moved the Sale date from XXXX XXXX Sale Date to XXXX XXXX Sale Date. Nationstar made it as difficult as much as possible for an old lady like me to keep my own home and it is non-compliant of how they do it. Begin of XXXX, I certify mail the XXXX 's and XXXX 's payment while waiting for the correction. Recently, I just received a denial letter from Nationstar dated XXXX XXXX, XXXX that the reason of denial is I did not make the required Trial Period Plan payment. I professionally request the help of Consumer Finance Protection Bureau to please request Nationstar to be compliant. They have received all 3 months of trail payments and sent us the Loan Modification Agreement to sign and notarized and sent back to them and then they reject our mortgage payment and put the subject property in foreclosure sale date. How is this possible? Please review all the documents attached evidently proof that Nationstar Mortgage wrongfully foreclosing my property. They received mortgage payments and signed Loan Mod Agreement and then reject mortgage payments for XXXX. This is such a contrary.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I currently have an income based repayment plan with Fedloan servicing. This information is required to be updated annually. The organization only provides a notification via their portal and does not contact me via phone or email ( have both because they verify every time I call ). The IBR status expires and I only find out when the next payment is due. I then have to submit the paper work and request forbearance to give them time to review. This occurred in 2016 and literally took up to 4 months for them to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been requesting verification of the following public records that TransUnion continues to report on my credit file : XXXX tax liens : Docket # : XXXX and Docket # : XXXX. TransUnion continues to fail to provide me with the documents and the name and contact information for the " vendor, '' " source, '' or " company '' that was used to " verify '' the information as I requested. 
TransUnion 's investigation results include the following statement and I quote : " the information was collected from public records sources by TransUnion or a " company '' we hired. '' Exactly what company did they hire and what source did they use? They fail to even include the " company 's '' information such as name, address, and contact number on the dispute results that I received. I did not authorize TransUnion to receive any information about me from the " unknown '' company that they claim to have hired for verification. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting on my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
XXXX XXXX XXXX, XXXX, XX/XX/2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' I request and demand that these XXXX tax liens : Docket # : XXXX and Docket # : XXXX are permanently deleted from my TransUnion credit file due to being unverified accounts IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: On  XXXX / XXXX /  XXXX   I received a call from a supposed company called "   XXXX   ''. Not only did the lady call my phone, she also called my parents house looking for me. She called my mo, first and told my mom that this coming Friday she was either coming to my residence or my job with " papers '' for me to sign and if I did n't sign them then I would be going to court. After she called my mom, she called my phone and told me that if I did n't call this number  XXXX   XXXX   XXXX   XXXX  that she would be coming to my home or my job. I called the number and mentioned the file number she gave me which was  XXXX  and spoke with a  XXXX .  XXXX  said she worked for   XXXX   XXXX   which was a pre legal service/attorney office. She said she was representing  checksmart  and that I owed  XXXX . I asked them what kind of company this was and she said a legal company representing checksmart. This company called my elderly parents issuing threats against me to " subpeona '' me to court which upset my parents. This is totally wrong and unlawful

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Debt collection (Federal student loan debt) with ECMC Group, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am currently in Chapter  XXXX  Bankruptcy repayment, so I am not required to make payments on my student loan. My loan is serviced by  Educational Credit Management Corporation  ( ecmc.org, ECMC ). I can, however, make voluntary repayments, which I have been doing for a number of months in order to avoid interested being capitalized back into the principal of my loan.     On the  ECMC  website, when you select to make a voluntary payment it tells you how much interest per day is due on your loan account.  One  can not decide to pay one loan or other, a single payment for your account with ECMC must be made. What is not made clear is that this amount is  PER  loan. This is very misleading and led to me not making the correct payment ; I was underpaying by 50 % when I thought I was paying the correct amount to avoid interest capitalization.      One  must look elsewhere on their website ( and really dig to find it ) in order to discover that the amount on the voluntary payment page - where most people are looking for this information so that they can make the right payment - is in fact PER loan, not a total amount for your entire account with ECMC.

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 01/16/2018 about Mortgage (VA mortgage) with LoanCare, LLC (NY).
Issue: Trouble during payment process

Complaint: Hello! I have had a VA mortgage with XXXX XXXX for the past several years. I had absolutely no problem with their customer service and was always on time with my payments. XXXX sent a letter in XXXX letting me know that my loan would be transferred to LoanCare as of XXXX. I work in the XXXX industry so understand this is a normal practice. 
In late XX/XX/XXXX I prepaid my XXXX property and school taxes to my county ( ~ {$7500.00} ) and called XXXX mortgage to let them know not to make the XX/XX/XXXX payment and to inquire if I could decline an escrow account going forward since I have had my loan for more than 12 months, have made timely payments, and am ~55 % LTV . The agent explained that I can decline escrow however LoanCare would begin servicing my loan on XX/XX/XXXX so it was best to wait until then to take action. 
This began a 2 week odyssey of trying to get information from LoanCare on my mortgage loan. I called XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the computer service either gave me an odd busy signal or hung up on me while I waited on hold. I called again on XX/XX/XXXX and after waiting on hold for 15 minutes for a customer service agent, was told that LoanCare had not processed my loan into the system yet and it could take a few weeks. When I asked if I could be moved up the priority list because of my escrow questions/information i was told there is no way to do that and to call back a week later and it would probably be in the system. In the meanwhile I have been going on the website with my loan # and social security # to see if my loan is entered and everytime i try I get the error message " no records found. '' I called again today ( 1 week later ) twice and both times, after sitting on hold for 10 minutes, the computer system voice told me to enter my phone number and someone would call me back. 
This is the worst customer service I have ever experienced. There are several issues here : 1 ) I have not made a mortgage payment yet for XXXX and am not going to send the $ until I know that they have possession of my loan in the system and accurate records. 
2 ) I do not want them to make a payment on my property/school taxes due on XXXX because i have already paid. If they make the payment it 's a financial loss to me and a lot of time on my end to try to have my county refund the payment. 
3 ) I have been waiting for weeks to have my escrow account turned off, the money in the account returned, and my new payment calculated. This is $ $ $ that LoanCare is earning interest on and I am not. 
4 ) I have a right to my full loan information and 2 weeks have gone by where I can not access it.

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 09-08-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Billing disputes

Complaint: I was on vacation in XXXX. I was only supposed to be charged XXXX for my cab fare. However, the cab driver took advantage of the fact that I was traveling and instead charged me XXXX on my credit card. He then proceeded to say he did n't understand how to refund it, and he also refused to provide me any paperwork. I had to catch a flight, so instead of continuing to argue with him, I left and decided I would contest the charge with my credit card company. However, now my criedit card company is saying that there is nothing else they can do regarding the dispute process and because I do not have any paperwork ( since the merchant REFUSED TO PROVIDE ME WITH ANY ) there is nothing they can do, and that my credit card will be charged. I disagree with this practice. The charge was a fraudulent unauthorized charge and my credit card company refuses to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: In 2007 I had a terrible XXXX accident were I almost lost my life, I ended XXXX for about 8 months. As soon as I could write to XXXX, I did explaining my family hardship without my income and all my medical problems at the time. 
Less than a year later, XXXX did not ever responded to me for the hardship and I need it to short sale the second home that I was living in. They also never responded! On this one instead, they foreclosed my home for less than the short- sale offer! Luckily me, I found out inmediately and I send my buyer to the court house with a personal investor friend to retain the house. The customer of mine bought it! 
XXXX listed the sale on my credit report as foreclosed. They really ruined my life, my credit and I ended loosing my business, everything! 
When that home was sold, I moved back to my first home! which unfortunately was also under XXXX loans. Meanwhile XXXX has never responded to me on either one of the properties. Thanks to some leans on this last property of mine, today it has being 9 years with issues with the loans that I 've tried to resolve but no luck. I have asked for help several times, even lawyers, and no one can help. 
A legal advocacy company advised me to contact you with my terrible story and to complain about the neglect from my original mortgagor XXXX, who later turn to XXXX, then XXXX XXXX, the XXXX XXXX XXXX, then Green Tree and now days Green Tree. 
I would really like someone to help me resolve this terrible 9 years nightmare. I dont submit any documents with this initiation of complain because I 'm not sure with docs to submit of all the boxes that I have collected in all of these years, but I promised that I have enough. 
Please contact me on my cell phone at ( XXXX ) XXXX or my private email : XXXXXXXXXXXX Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Debt collection (Medical debt) with Professional Recovery Management (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: We are in process of buying a home where this debt continues to be re-reported even though it has been paid to the collection company.      Fox Collection made verbal promise that by us paying the debt, the debt would be REMOVED from all credit b ureau 's. We were very clear that there was NO value in paying a debt and it being marked " paid '' as that only increases my score by   XXXX   XXXX   or  XXXX .     As of today, their negligence to fulfill their end of the agreement made by paying off this debt has again caused my credit rating to drop nearly  XXXX  points. Which additionally, this substantially impacts my mortgage rate.     Furthermore, to-date, they have only marked paid,  XXXX  credit bureau which causes substantial descrepancies in m y credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I do not understand the payment history on my account. Repeated attempts to find out why there were repayment plan payments applied when I never agreed to a repayment plan. Local branch and mortgage loan opertations could not explain. I also do not understand why they were satisfying Late charges and expenses instead of trying to get my account current. what was going was to no avail. Credit History has been impacted.

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 06-08-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I had problems trying to pay online and I could not access the account. I eventually paid loan amount, but as a result of missing deadline, a {$25.00} penalty was imposed. The late fee represents 5 % of outstanding balance for  one  month. ( That is loan shark rates  ) .   I feel the penalty was excessive given the balance on the account was  one  payment away from payoff. They informed me that since they waived a fee in  XXXX   XXXX  that they were unable to waive this fee  (   XXXX   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 monetary relief
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There have been unauthorized inquiries put on my credit report and after contacting both the bureau and the companies have not been removed. 
XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Seterus. They took it over from XXXX and it is a XXXX mortgage. I am being told that my first payment with XXXX was used to implement the mortgage. Therefore I am behind XXXX payment. When I asked for the statement showing where the money went, they cant or wont produce it. I have all the statements from XXXX and the statements show a normal monthly payment. Seterus tells me to stop asking for this information. I have statements from Seterus that are absolutely inaccurate and ridiculous. I have told them show me where the statement, closing statement, loan origination statement and they refuse to do that. This is now five years old and they are about to foreclose on our home. I have written them and explained to them, just show me the statement and I will immediately send the missing payment and all the late fees that have originated in the last five years. I have never been foreclosed on and have not missed any payments. There most likely will be a court hearing and at that hearing I will present my letters asking for this XXXX item from Seterus. I even sent them a bank statement showing all my payments. Not XXXX is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Medical) with MFP, inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a collection listed on my credit file for {$170.00} which is unknown to me and has changed collection offices several times I request validation. Please help me

Company response to consumer: Untimely response
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I recently received a credit card from XXXX XXXX on XX/XX/17. The new credit card came with a notice stating that I was entitled " Under federal law ... the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact : Transunion. '' It gave three options for contacting Transunion, including " On the web : Visit www.transunion.com ''. I proceeded immediately to the website to get a copy of my credit report. It asked for some details and I proceeded, never giving any indication that this was a subscription product or that I would be charged for this transaction. Transunion billed me {$21.00}. I called Transunion customer service immediately upon discovering the charge and informed the Customer Service Representative that I was trying to obtain a copy of my credit report, as indicated on the notice from XXXX XXXX, without charge under federal law. She stated that no such option existed on Transunion.com, and that I needed to go to XXXX. I reiterated again that the notice from XXXX XXXX said to go to www.transunion.com. I ensured the subscription was cancelled. 

I then called XXXX XXXX, as the CSR from Transunion was rude and unhelpful. The XXXX for XXXX XXXX politely advised that there were no options for me to pursue with XXXX XXXX until the charge posts fully to the account. As of now, it is still a pending charge. 

Clearly, between XXXX XXXX 's notice and Transunion 's apparent attempt to fraud customers into buying a subscription for those looking to obtain the credit report they are legally entitled to receive free of charge, there is a lack of fairness and transparency on behalf of one or  both companies. Please assist, CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief