milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Indymac/OneWest Bank foreclosed on my house XXXX XXXX, XXXX, after over a year of filing for a modification that was turned down, yet resurrected after my first complaint to CPB. I rejected the bank 's offer to modify because it did not include any debt forgiveness, and since my late husband had refinanced the house so many times, I felt it would never gain the value of the mortgage amount. 
The mortgage was over {$900000.00} and the bank got a desktop appraisal of {$400000.00} because my late husband built the house without county permits. I was notified by an old neighbor, a broker with XXXX XXXX, that the bank sold the house for {$680000.00}. Yet the bank sent XXXX, and XXXX claiming cancellation of debt in the amount of {$500000.00}. The actual amount of debt cancellation should be {$230000.00} according the sale amount rather than a FMV amount that did not include an actual onsite appraisal of the house and property. The date on the XXXX 's is XXXX/XXXX/XXXX, the house sold on XXXX/XXXX/XXXX so perhaps the sale had not gotten into the accounting department. 
After suffering through a foreclosure, losing my home of 26 years, I find it hard to believe there would be a tax penalty which I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (VA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: For my account # XXXX, TD bank decided to close it for no reason, I am unsure why and the representatives I spoke to ; XXXX XXXX in security and then XXXX  XXXX ( who swore at me and called me a profane name ) refused to assist me. In addition, TD bank sent a check without my permission for {$19000.00}. I tried to stop payment and they refused to. Now I am in the hole financially.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX I spoke to a few representatives from Seterus, Inc. about a mortgage they claim they service and manage for XXXX XXXX and they claimed that they mailed a Flex - no documentation - loan modification documentation as a service on behalf of their customer XXXX XXXX my partners Attorney XXXX XXXX on or about XX/XX/XXXX. They just forwarded me a copy of what they claimed they mailed, but when checked with that attorney he told me that he never ever received this Flex loan modification offer. Seterus, Inc./ XXXX XXXX declined to honor this offer by now and after multiple attempts talking to their managers asking them to revive and honor the offer they kept on telling me the same thing, that there is no way to bring back this or any other similar offerS. eterus, Inc./XXXX XXXX clearly is NOT acting in good faith, there is no prejudice to them, as they claim this loan is in arrears from XX/XX/XXXX and those additional few months more moths from last XX/XX/XXXX ( which is when the modification was about to start ) is not going to make it or break it. I suspect that they were required by regulators to just offer this offer, so they just played games and never ever mailed it and just pretended that they mailed it, this way they have the cookie and eat it to, its well known in the banking industry that this is what did and this how they dealt in the past 15 years as its cheaper for them to pay the fine if and when they are caught. his is not the first time they played this games, they played games about a year ago when the servicing of this loan was transferred from XXXX to Seterus, Inc, while I submitted all documents for a short payoff for this loan and they even had someone come down to the house to do an appraisal then all of a sudden I found out they the servicing of this loan was transferred and the new services does not have any of the documents submitted to the previous servicer, XXXX. 

Besides the this fact, I have logs of countless and rude phone calls with their reps, including many times of not returning calls when left messages or contradicting information from different reps. 

They also having this one sided unfair and decptive policy of not allowing the consumer recording phone calls with them, while the 're recording all their phone calls and not even giving the option for the consumer to talk to them on a unrecorded line.

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 02/15/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Loan servicing, payments, escrow account

Complaint: i had a major issue a few months back had to get you involved still took MONTHS to fix. That was with my escrows cashing my checks and not appplying to my account. Did anyone care were was my $ $ $ for months I have XXXX complaints the FIRST is I never received my interest statement from the the mortgage co to be able to file my income tax today is XX/XX/XXXX? I have talked to a feothw other people who have not gotten their 's either. Coldwell Banker mortgage is the holder. Also since the problem I had last year I have mailed my mortgage payment to the same address for 16 years XXXX to XXXX servicingaddress. NOW all of a sudden they have my payments for days and do not post my payments till till days later and charging me late fees. I feel my account is flagged because of my complaints to you regarding there incompetence because prior to that never a issue Then they start calling me to collect a debt!! WHAT options do I have to refinance to get rid of them will cost me thousands to not lower the monthly payment by much.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CO).
Issue: Trouble during payment process

Complaint: This is in response to Complaint #  XXXX .  <P/> The answer is NOT acceptable. It clearly admits liability that DITECH misappropriated funds. We do NOT have a    XXXX   XXXX    account nor ever had one. It is the full responsibility of Ditech to recover the monies they misappropriated and credit account in full to  XXXX   XXXX .  <P/> 1. The {$14000.00} must be applied to principal only on account #  XXXX .  <P/> 2. Please provide photocopies of all checks received. Show where total is {$14000.00} instead of {$14000.00}. This has been reviewed and verified by the  XXXX   XXXX    XXXX   as the correct amount.  <P/> 3. If you have a mail delivery problem, address it directly to USPS.  <P/> 4. All monies of {$14000.00} are to be applied to Principal Only. No authorization was given for {$360.00} to be deducted for administrative costs. Our records through monthly certified mails receipts indicate no late fees of any kind. This amount must be re-applied to principle amount immediately.  <P/> If this matter is not resolved by the time frame of the required reply,  legal council  will immediately submit a Summary Judgment against Ditech in  the county  court of  XXXX   XXXX ,  XXXX , CO., in order to recover funds.  <P/> Because DITECH has held the monies in their possession since  XXXX   XXXX , they are liable for actual and punitive damages, interest, certified mail fees, and all legal fees and court costs.  <P/> A formal complaint with the Attorney General of CO has been filed concerning consumer fraud, misappropriation and extortion of funds.  <P/> All replies are forwarded to local  XXXX   XXXX , Consumers Corner for on-air viewing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX was give a trial plan by SLS.. He made the XXXX payments. SLS then said he failed the modification because he did not return the correct modification paperwork. He said he never got them and could they resend them. SLS said they were sent to his XXXX XXXX . POst office had no record. SLS then emailed him the paperwork. But the paperwork they kept sending him in XXXX. XXXX and XXXX was not the modification documents but the letter stating he was approved for hamp tier 1 with the NPV values. He signed it and returned it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: In 2002, while I was XXXX a bank that is now known as Wells Fargo issued a home equity loan to a third party and used my property as collateral. This third party showed no ownership of this property located at XXXX XXXX XXXX XXXX in XXXX, XXXX Wells Fargo is now foreclosing on this loan. I tried to address this situation through their fraud department with no success. They ruled against me and totally overlooked the facts that i could n't have signed for a loan because of my whereabouts at the time. They have n't allowed me to negotiate a fair outcome because the loan isnt in my name.

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 12-07-2017 about Debt collection (Medical debt) with Professional Credit Management, Inc (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I sent a certified letter to this company on XX/XX/2017, requesting a verification of debt. Although the company did however receive the letter, they continue to call my phone 2-3 time per day. I asked that all communications cease until the medical bill is properly/correctly verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Mortgage (Other mortgage) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Around XXXX 2014 BBVA Compass did a Mortgage loan for me. The loan officer was very helpful. The loan officer and I requested to do the mortgage payment 30 year fix with an amortization for 30 years. Before I started the refinance with BBVA Compass I had a construction loan with another bank that has a balloon payment as soon as the house was finished. When we went to closing to my surprise the mortgage payment was set up to be paid every 2 weeks just principal and interest. It was too late to back down since I was at the closing and had the balloon payment. My loan officer contacted her manager XXXX XXXX, XXXX XXXX stated that he will help to modify the loan later on. However I tried to get in contact with the loan officer around the middle of the year and she gave me XXXX XXXX 's phone number since the loan officer was on leave sick and never return to work to BBVA Compass. I tried to call her manager several times since but never heard from him. 
I have also tried calling several times to several phone numbers, leave messages and no one return my phone call. The most recent number that I called was XXXX I left a message explained my situation that I can not pay every two weeks since it is killing me and putting my family in a hardship. Currently my business is not doing very well as before. All I am asking is to modify to pay monthly payments not every two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I recently received a notice from Chase Mortgage Company that my escrow account was low and my mortgage payment would be increased to cover the shortfall. When I inspected the escrow account I noticed I was being charged over $ XXXX/year for a " misc '' insurance coverage. Knowing that I made no such insurance commitment, I called Chase to find out and they informed me that the charge was for homeowners insurance with XXXX XXXX XXXX XXXX. Well, I already have such coverage with XXXX 's and called my agent to find out why I pay double for the same service. He was able to tell me that the account number that Chase applied actually belongs to my neighbor. In essence, I have been paying my neighbor 's homeowner 's insurance since XXXX 2015! 
I am concerned that Chase either purposefully tried to sneak money from me using the trusted escrow account or are totally inept at applying correct account numbers. Either way, I am furious, upset, and scared. What if I would never had checked my account? What other sneaky schemes are they using to steal more money from me? How can I ever trust them in the future? My confidence is way low. 
Chase Mortgage Co. bought my mortgage from the company who bought it from my original loan company. Too many exchanges like this is not a good practice and the homeowner has no voice in the matter. I totally dislike Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I first applied for my free reports in XXXX XXXX through the govt website and was denied by the credit bureau. Trans Union stated that my information was inadequate and illegible. I thought your website was better than that and I 've filled out many on line forms for govt use and have never heard this excuse before. I have heard from attorney seminars that this is a common practice designed to obtain information to build their files so they can unfairly profit from others. They requested that I send them certain information so they can find my file ( my file has been on file since the early XXXX 's ) so I did and they have now replied that it is unacceptable. I have resent the same information again, 3rd time but I do n't expect my reports. Trans Union knows that I am permanently XXXX and unable to work. I rent a small room in a house and utilities are provided for me, I can not drive, I can not work and the bureau knows these things therefore requesting that I provide documents that I am unable to obtain. Furthermore, they are reporting incorrect and derogatory information about me that is preventing me from obtaining much needed specialized living accomodations. Can you help me get a report from them so I can see what erroneous information they have and are profiting from while damaging my good name. If I ca n't get adequate living accomodations I will be homeless. The place I 'm at now has mold and is being torn down soon. Thank you.

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 non-monetary relief
Consumer complaint received 02-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The credit agency IC system, reported the amount of XXXX XXXX, XXXX and it shows in my credit report that is negative and thats not the I owe. And i need for you to take that out of the credit report because its affecting it. I already paid the account i already paid the credit agency " XXXX XXXX. " The account number is XXXX Original Creditor Client Ref # XXXX, and the phone number is XXXX. The balance was XXXX which was already paid, but i need the agency IC system to take that off my credit because its affecting it, and they are n't the Original Creditors in which i already paid, my phone number is XXXX, Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a bankruptcy from 2005 that is no longer being reported by the XXXX XXXX XXXX XXXX DIST XXXX. I have been advised to dispute it with the bureaus to have it removed. I successfully was able to do so with all bureaus but Experian. I requested a physical copy of my report by mail. I called to get assistance from a CSR to initiate the dispute. I was told I could not dispute the information. I told him I 'd like to speak to a supervisor. I was put on hold then transferred to a voicemail. I left a message. I got a call the following day from XXXX on XXXX XXXX, her supervisor is XXXX. She could not give any other information to contact her again. She also denied me my right to dispute the information saying it will say for ten years. I told her the information is no longer accurate as the court is no longer reporting it. She refused to dispute it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Trouble during payment process

Complaint: XXXX  sold my mortgage to  Nationstar  in  XXXX   XXXX . All terms remained the same and I was paying {$1500.00} a month  (  {$320.00} escrow included  ). A ll taxes paid by  XXXX  before sale for the year  XXXX . In  XXXX   XXXX   Nationstar  paid my county-town tax for {$1200.00}. My school tax is not due till  XXXX   XXXX  for {$3900.00}. MY CLAIM IS  Nationstar  says I have. {$2900.00} escrow shortage. By the time  XXXX  comes I would have accumulated {$3200.00} and only be {$700.00} short. They immediately spread payments over 12 months and my new payment since  XXXX  is now {$1700.00}. This is a {$230.00} increase that is creating a burden for me, I am a  XXXX    XXXX   living off of  XXXX  compensation and the additional {$230.00} a month is a lot for me to sacrifice. I have made numerous calls faxes emails but not one can give me a straight answer, and they sent escrows analysis and the numbers are not consistent. I just want my payment to go back to normal ... .please help me. Thank You  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to obtain a loan modification from Wells Fargo ( XXXX ) who is servicing my account for XXXX, ( very confusing ) .I am in bankruptcy, I am underwater, and my loan was not FHA XXXX I believe with all of the misconduct and all of the settlements recently, that my loan should be refinanced, that there must be help outthere for those of us hanging on by a thread.I am too far in arrears to catch up all at once. I have a primary loan at XXXX % and my secondary at XXXX % which was crazy. And my payments to the XXXX are over XXXX a month.I should have been contacted the past few years by Wells Fargo withsome sort of Help, rather than attempting forclosure, and now the secondary loan has attempted forclosure resulting in my now XXXX bk. Can I still get help or a modification from them!

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 09/22/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had someone by the name of XXXX XXXX and XXXX use my identity to purchase cars. I have filed a police report listing all the cars he purchased using my name and ssn. And all the inquiries XXXX on my file were the result of him. I want the bureaus to remove and Equifax is the only XXXX not taking off the derogatory accounts and inquiries. It is hurting my file. Equifax accuses me of going out and buying cars and then not wanting to pay on them. How dare they do that.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I attempted to deposit a check through Ally Bank 's app and the bank contacted me and said that it would not accept my deposit ( it was an approximately {$2.00} deposit of dividends from an old XXXX  ) because the registrations did not match. I have never had such an issue, and attempted to call for assistance. The wait time was unbearable, so I emailed Ally. The response was that I had to call to speak with a person in their deposits department. So, I called, again, and waited on hold, again. I was asked to verify the last 4 digits of my SSN, my DOB and 2 answers to random secret questions, including my favorite team. I guessed what I might have set up, and evidently guessed incorrectly. I was placed on hold again, and escalated to a supervisor, who, maddeningly, repeated the entire series of questions. My answers did not change. She said that someone would have to call me to verify me. That doesn't seem like a super secure way of doing business- calling me from a random number, on my unsecure cell phone, at some indeterminate time. All I am trying to do is deposit a small check. But she said that she could not help me, that I could speak with no one else, and then she froze my accounts so that I can not view them. 

I need ( 1 ) my accounts unfrozen and ( 2 ) to be able to deposit this check and ( 3 ) an apology for my massive inconvenience.

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: " XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' both appear on my [ XXXX ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I noticed on my credit report today that there are XXXX new Chase inquiries. So far, I do n't see any new account and I want to make sure Chase does n't open or close the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a loan on a home in Florida of which the mortgage was purchased Purchased in late XXXX and became serviced by Bayview Loan Servicing. The property was surrendered last XXXX in a Deed in Lieu transaction. On XXXX/XXXX/XXXX ; I received a XXXX from Bayview with the incorrect Fair Market Value of the home and therefore, the incorrect amount of discharged debt. The XXXX was not filed on a timely basis and incorrect information was given the the IRS.

Company response to consumer: Closed with explanation