milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: This is a new application for RMA assistance.

The homeowner is underwater, has a high LTV.

The homeowner will be accepting adding the late payments to the rear of the mortgage ( principle forbearance ).

The homeowner is qualified under the DOP Department of Justice guidelines : 1 ) Gross underwater value 2 ) The NPV Result shows a workout solution, see attachment. 

The homeowner has a positive change in her circumstances. Today an NPV Report was generated via the Department of Treasury that show that the loan is affordable via a loan modification under the Department of Justice/ 49 States attorney Generals National mortgage settlement Agreement and guidelines. The NPV Report shows a possible workout solution under the above guidelines. The homeowner is requesting an expedited review and appeal for reconsiderations under a streamlined processing. Please see article extract of the NPV Result. NPV Date XX/XX/XXXX Unpaid Principal Balance of the Proposed Modification {$440000.00} Principal Forbearance Amount of the Proposed Modification {$850000.00} Interest Rate of the Proposed Modification 2.0000 % Principal and Interest Payment of the Proposed Modification {$1300.00} Amortization Term of the Proposed Modification 480 months Information That You Provided Which best describes you? Other Servicer & Investor Information Your Investor Other Your Mortgage Servicer Other Discount Rate Risk Premium XXXX Homeowner & Property Information Data Collection Date XX/XX/XXXX Do you currently reside in the property under evaluation? Yes Borrower Credit Score XXXX Co-Borrower Credit Score Monthly Gross Income {$8300.00} Property State CA Property Zip Code XXXX Property Value {$820000.00} Property Valuation Type Estimated/AVM Mortgage Information Original Loan Amount {>= $1,000,000} First Payment Date XX/XX/XXXX Do you have a fixed rate mortgage? Yes Unpaid Principal Balance of Your Mortgage {>= $1,000,000} Total First Mortgage Debt {>= $1,000,000} Interest Rate of Your Mortgage 3.125 % Remaining Term ( Months Remaining ) on Your Mortgage XXXX Mortgage Insurance Coverage Percent 100 % Modification Fees Paid by Investor {$0.00} Monthly Payment Information Principal and Interest {$3400.00} Real Estate Taxes {$1000.00} Hazard and Flood Insurance {$220.00} Homeowner Association Fees and Escrow Shortage {$0.00} Months Past Due 13 Imminent Default Yes Important information regarding NPV Evaluation results obtained from this site. Homeowner requests a copy of previous NPV Report of Banks Servicer basis of denial report previously to deny the homeowner a " change of circumstances '' denial. The DOJ guidelines allow for a change of circumstances, to really for a loan modification after 1 year of payments into the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: The transaction amount that was credited back to my America Express Card was $XXXX making the account a total amount of $XXXX.. XXXX XXXX XXXX. located at XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Ref# XXXX.  This is what's happen now 
XXXX 
To:
XXXX

XXXX XXXX XXXX XXXX XXXX

My name is XXXX XXXX.  On XXXX XXXX I authorized my card for payment to XXXX XXXX XXXX in the amount of$ XXXX on XXXX XXXX XXXX and $XXXX on XXXX XXXX XXXX.  The entire amount was credited back to the account on XXXX XXXX XXXX.  I have the conformation.  I will not wait thirty days for all my money.  I Will give your agency until tomorrow XXXX XXXX XXXX to make my money available to me.  If this has not happened I will contact the CONSUMER FINANCIAL PROTECTION BUREAU.  IF this is not resolved I will start Legal actions.  I will be asking for more than $ 360.00. Someone my call me@ XXXX XXXX XXXX.  I have spoke with three of your Employees XXXX, XXXX, XXXX all with Customers Service/Blue bird.  All has lied.    These people are holding the money that not only belongs to me but a potion that belongs to my Cousin as well.  I refuse to wait fifteen (15) or (30) days for my money.  XXXX has released the funds, so why I have to wait.  When I spoke to one on the Customer Service Person, I was told their office was located in the XXXX.  Theses funds were taken out the same day requested, the funds should be back in my account by now

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On or about XXXX XXXX, 2015 I made my monthly payment of {$2000.00} to my mortgage servicer Seterus XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Ph. # XXXX. On a separate check for {$11000.00} I attempted to make a principal prepayment, clearly writing PRINCIPAL PAYMENT on the check. On XXXX XXXX, Seterus applied this as XXXX regular payments with only {$6900.00} going to principal. I have called and spoken with Seterus on XXXX, XXXX and XXXX or XXXX other times and received promises to correct this but the situation remains unresolved at XXXX. This is malfeasance and possibly predatory lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Prepaid card (Gift or merchant card) with Blackhawk Network Holdings Inc. (PA).
Issue: Unauthorized transactions/trans. issues

Complaint: PayPower has failed to provide credit. Case number XXXX states that Pay Power is waiting for proof of purchase, submitted proof of purchase along with this statement. Create a dispute on XXXX and still no resolution and it is XXXX. Pay Power card number is **************** exp date ; XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2016 about Prepaid card (Payroll card) with NETSPEND CORPORATION (DE).
Issue: Fraud or scam

Complaint: Net Spend has sent a visa to my work, to my home, sent text messages and emails. I have asked that cards not be sent to me and to take me off there contact lists and yet I still receive info from them. I did n't give them any of my addresses. I did n't request there services and it is impossible to get them to leave me alone. Customer Service will not help and they wo n't let me speak to a manager. I text stop to there text messages but they continue to come and the email address I got from the paperwork they mailed me came back undelivered. Please help me make them stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Other debt) with J J Marshall & Associates, Inc (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I financed furniture through XXXX XXXX XXXX financier XXXX XXXX. Shortly after getting the furniture, I was put on XXXX XXXX XXXX for 6 months. That was the first time I attempted to contact them to make alternate payment arrangements as I was not receiving a full salary. Upon returning to work, I was intermittently on unemployment due to my employer doing a complete restructure of my job site. I, again contacted XXXX to advise them of the situation and make payment arrangements. They advised me that they do not make arrangements and would not be willing to make any arrangements. Auto drafts from my account were being done by the company throughout this period however they stopped taking the payments after XX/XX/XXXX. In the interim, I contacted them again to set up arrangements to remove late payments and get my account in good standing, however the company refused to provide any payment arrangements. Since then, they have placed this account for collections with JJ Marshall. I sent JJ Marshall a letter via certified mail asking for validation of the account. This letter was sent out on XX/XX/XXXX. While I have not received a response to this date, I can confirm that the letter was received on XX/XX/XXXX. USPS tracking number for the letter sent to the Collection agency is XXXX. Today on XX/XX/XXXX, I got notification that they attempted to serve me with lawsuit papers. I have yet to receive any information directly from the creditor, however they have removed the collection from my credit report. I am filing a complaint because the account is no longer listed as being held by the company attempting to sue me ; a company that has not responded to my written request for supporting documentation ; and the original creditor refused to provide we with any comparable solutions for repayment of the original loan amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: CREDIT PROTECTION IS A COLLECTION AGENCY ATTEPTING TO COLLECT A DEBT FROM A SERVICE I DID NOT RECIEVE. I AM ASKING FOR THE TO EITHER PROVIDE ME WITH THE ORIGINAL COPY OF A CONTRACT OR AGREEMENT SIGNED BY ME FOR AUTHORIZATION OF SERVICE OR REMOVE SAID COLLECTION ACCOUNT FROM MY CREDIT BUREAU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Debt collection (Medical debt) with Perfection Collection (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The following derogatory items listed on my account are causing a negative mark on my credit report and they are false. They are listed as medical debts which do not belong to me or any other member of my family. 

PERFECTION COLLECTIONS XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX / {$4400.00} - XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX 10 MONTHS XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX - {$3900.00} - XXXX/XXXX/XXXX XXXX XXXX XXXX 6 MONTHS XXXX XXXX, which we found to be a predatory company, offered us a monitoring service which we did not accept and we asked them several times to come and retrieve their equipment, which they never did. After which we discovered these derogatory marks, which we are being told are for medical expenses, have been added to our credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: pay my account to XXXX XX/XX/XXXX and reported my credit it was not paid

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 08-11-2017 about Mortgage (FHA mortgage) with Union Home Mortgage Corp (OH).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX Faxed Modification packet to lender XX/XX/XXXX left VM to  check up on packet with XXXX XXXX. Auto teller dropped me into this VM. no call back XX/XX/XXXX, eft VM with XXXX XXXX. no call back. 
XX/XX/XXXX Mailed QWR, left VM with XXXX XXXX, called back without putting account info in, got XXXX. informed me the docs submitted were in review, with another request for further documentation. Passed on list to client. 
XX/XX/XXXX rec 'd documents from client, faxed them to lender.
XX/XX/XXXX again called in without account info input, got XXXX, who transferred me to XXXX XXXX who told us that the file is in review for decision and that the foreclosure was on hold and sale date postponed. 
XX/XX/XXXX called in with out acct info input, got XXXX XXXX, who informed me that on XX/XX/XXXX the file was removed from review, and foreclosure was reactivated. Told that another representative who could address this change would call me back in 2 hours. no call. I called back and was told that this would not change and notice was mailed out on the XXXX. Client has still not received that notice. 


I am including the recording of the XX/XX/XXXX discussion. We feel that a simple phone call could have prevented this issue from occurring. we feel they were grossly negligent in their communication practice in such a time sensitive issue. We also feel they should honor what was told to us on XX/XX/XXXX and review our modification packet.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Caliber Home Loans charged excessive fees when i refinanced the loan. After a painful and long waiting resolution for the arrears i was able to cure the default and pay the loan with another loan. I do not quite understand what they charged in the escrow balance. I do not have a break down of the charges and fees or an explanation. In addition Caliber Home Loans sent XXXX different pay off to escrow .I signed documents in escrow based on the pay off for XXXX XXXX and on XXXX XXXX Caliber Home loans faxed another pay off to escrow .I signed escrow and Title documents based on the XXXX XXXX pay off .I am still waiting for an explanation. It is not clear they pay the property taxes twice or what they charge in the escrow balance. I need a break down of the charges and fees in the escrow balance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I attempted to close my account and have the money in my accounts returned to me and 5th 3rd continued to allow me to be charged by accounts they reversed the charges for. I have stated that I do not want the Identity Alert service since XX/XX/XXXX and I have continuously have been charged. I explained that their credit reporting is not close to being accurate and stated that they have violated the Fair Credit Reporting Act. I received a letter stating to call XXXX XXXX and she told me she will look into my claims on XX/XX/XXXX. I followed up the next week she told me that I never had a discussion with her. She later called and admitted she made a mistake. I asked what progress was made in resolving this matter. She indicated that she or 5th 3rd has n't done anything to research my account as promised in a timespan of a entire week. I asked why am I still being charged for the Identity Alert service and she advised me to call the toll free number. I told her that I 've tried that already and I got the run around. I included that in the complaint that generated the letter for me to contact her. I asked which manager I can speak with since she has n't been helpful and she did not answer the question. I asked how long I have to get this matter resolved without further actions taken against me and she told me XX/XX/XXXX. XXXX XXXX has told me only some of our conversations are being recorded and monitored ; which is a FDCPA violation. The conversations that were recorded will be useful to back up my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called XXXX and spoke with XXXX XXXX, I advised him of the hard inquiries on my credit report that was due to me being a victim of their misreporting inquiries. The rep stated that I was not a victim of their reporting. Therefore, he remove the inquiries. I asked him why since it was a mistake on XXXX part. He stated he can not remove 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 08/26/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Billing disputes

Complaint: I have already attempted to dispute XXXX through Best Buy credit card. This was for an unlocked XXXX cell phone. I attempted to return the phone and even though the phone was in new condition at the store and was unable. I was informed it was outside of the return policy time frame which I did research at a later date to find out was incorrect. Now I am stuck with product I dont want nor need.

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 10-03-2017 about Debt collection (I do not know) with URS Holding, LLC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I was contacted on XXXX, XXXX and XXXX by Alltran Financials ( the company name they gave me ). They were looking for my brother who does not live with me and never has lived with me since we were children. I told them that he does not live with me and to stop calling me. Their return phone number is XXXX which is used by United Recovery Systems - a debt collection agency. I do not have any outstanding debts but they keep calling me and harassing me about my brother 's debts. I have already told them he does n't live with me and to stop calling me but they still call.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Annual fee charged after AMEX representative promised refund. American Express charged my card an annual fee on XXXX XXXX, 2017. I called them on XXXX XXXX, 2017 at XXXX to cancel the card, within their grace period for refund on cancellation. When I spoke to the representative I requested to cancel my card and requested refund for the annual fee. During the call the representative suggested I leave the card open due to a pending trip booked using the companion certificate issued by AMEX and Delta Airlines. The representative said their refund policy is lenient and suggested I call back after the trip. On the call I confirmed annual fee would be refunded if I called after the trip at XX/XX/XXXX. When I called after the trip to request a refund I was told they needed to review the original call before they honor the refund. I was told a manger would review the call and contact me within a week, I did n't not receive a call. In the mean time I was charged interest and late fees. I called back 3 times after and got the same response, " a manager will review the call and get back to you within a week ''. On XXXX XXXX, 2017, I was told there is no record of my call. I was able to review my phone records and pinpoint the date of the original call on XXXX XXXX, 2017. I would have cancelled on XX/XX/XXXX for a full refund if not suggested by the representative. Since the call was recorded for minoring and training purpose they should be able to review the call. Especially since in my subsequent call I was told a manger will review the call and contact me. But after many attempts I have n't received a call back. I ended up paying the interest and annual fee to avoid further interest and late charges. I believe if an agent of the company suggested to delay the cancellation and will be refunded later, the company should honor word of their agent. I will create a page on XXXX to make other consumers aware of their action. I hope CFPB is able to request AMEX to review the call and listen to the conversation and honor the what was discussed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Trouble during payment process

Complaint: Allegedly XXXX bought my mortgage in XXXX. I have yet to receive any statements in the mail. XXXX keeps calling my phone and hanging up. I filled out autopay fax form and sent it in with no response. XXXX fails all security setting. Site does not allow me to use a username name to login. They require me to fax stuff, it not 1980 anymore. And I get zero responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/XXXX Capital One cashed a check for {$760.00} that was made payable to a different entity. 
On XX/XX/XXXX I called Capital Ones customer service line and spoke with one of the  representatives. After repeating myself several times using simple terms, I explained the error that I had made. 
I had inadvertently mailed Capital One the wrong check. I had mailed my office rent check to Capital One. 
My office, XXXX XXXX, an executive office suit, noticed the error quickly when they received the check that was intended to go to Capital One. 
I explained to the Capital One phone representative who had a difficult time grasping the concept that Capital One received the wrong check. When the representative finally understood, your representative said I should just wait and see if the check clears. 
It was to my surprise, it had indeed cleared. Capital One cashed a check that was made out to a different party. 
I mailed a letter to the attention of the Office of the President at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 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: Transunion is incorrectly reporting an "  XXXX   XXXX  '' account on my credit report.     According to my credit, it was opened in  XXXX   XXXX  for a debt of {$1100.00}.     I have never had any business dealings with this collection company. I do n't know who they are or why Transunion is reporting a debt with them on my credit report.     This is not the first time I have disputed this account, I have sent written disputes to Transunion on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  to get this removed but time after time, Transunion has dismissed my disputes as frivolous and they refuse to remove this from my credit.     I want to add that Transunion is the only credit bureau who is reporting this to my credit.   XXXX   and  XXXX  have no record of this account. This does not make sense. How can Transunion verify that this account is mine but  XXXX  and  XXXX  can not? Would n't it also be reporting on my other reports if this was actually mine?     I am taking my complaint to the Consumer Financial Protection Bureau because Transunion 's blatant disregard of the law is unacceptable.

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