milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NV).
Issue: Closing on a mortgage

Complaint: On XX/XX/XXXXwe signed a modification with XXXX XXXX XXXXXXXX under the program of NV Hardest Hit with the purpose of receiving long term financial relief. The agreement among the Hardest Hit program and the lender was from the program to pay the lender toward the principal {$50000.00} and the lender to match other {$50000.00}, consequently, reducing from the principal balance {$100000.00}. According to the figures drafted by the bank the principal was {$220000.00} which represents an inflated principal from {$210000.00} to {$220000.00}. A total of {$130000.00} of the new principal balance shall be deferred. The total deferred principal balance will be treated as non-interest bearing principal forbearance and I will not pay interests of make monthly payments on this amount. The new principal balance less the total deferred principal was {$90000.00}. The standard contingent forgiveness principal balance total {$38000.00} all of which the lender agreed to permanently reduce and forgive the total deferred balance. XXXX XXXX XXXXXXXX, intentionally and maliciously offered me a second modifications that according to them was for my benefit on XXXX, and without disclosing to me the terms change of the loan offered me a 3.5 % interest a reduction of 1 % of my previous modification interest bearing, with the deceiving trick of taking away my financial long term relief from the modification of XXXX. They took away my benefit of having the {$38.00}, XXXX forgiven. And without disclosing this terms change to me and hidden the paperwork from my review they added this amount to the new principal balance making up to {$120000.00} which makes harder for me to pay the loan. This modification shouldn't be enforced because we signed the papers on XX/XX/XXXX and the bank rep on XX/XX/XXXX which it was not provided on the required date before XX/XX/XXXX. Consequently, this makes this second modification void, the first one of XX/XX/XXXX is active. XX/XX/XXXXXXXX clearly tricked us because we are elderly and minority. The NV Hardest Hit program was a great benefit to give us the opportunity to stay on our house and have a long term financial relief. The behavior of XXXX is clearly of a predatory mortgage lender. After the illegal change of my loan terms they passed the loan to one of their servicers XXXX, and presently to Bayview with the purpose of keeping me on the loop after inflating my mortgage loan and making more difficult for me to pay the entire mortgage loan and for they to repossess, sell, and make more profit. They transfer the loan one month after to XXXX which behavior showed that the purpose all the way from XXXX was to forclose on us by having XXXX to refuse payments until one day that they sent a threatening letter talking about forclosing and imposing more fees.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Bank account or service (Other bank product/service) with UMPQUA HOLDINGS CORPORATION (OR).
Issue: Account opening, closing, or management

Complaint: We used Umqua bank bill pay at the beginning of this year. I have submitted a complaint before earlier this month. Umqua never called me and only looked at XX/XX/XXXX of this year. A late payment on our credit would not show up this fast. I have called the bank twice with no return call. XXXX of the payments we used Umqua 's bill pay for was over XXXX days late. We had this figured out earlier this year between the XXXX banks. When XXXX puts their full faith in bank to do the right thing and they do n't and make a mistake, XXXX expects them to make it right. They did not even call us to get our side, They just did nothing but look at the last month and close the case. I can not even get a return phone call.If we had known that Umqua writes a check and then puts it in the mail instead of an electronic transfer of funds we would not have used it. Again my concerns were not addressed and I was not even contacted by Umqua bank. I went with them because they took no TARP money and I was told their service was top notch, I am beginning to wonder now if my faith is placed correctly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Other mortgage) with Secure Lending Incorporated (MI).
Issue: Application, originator, mortgage broker

Complaint: At the end of XXXX 2015, I was contacted by Secure Lending Inc at XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX to Refinance my home Mortgage. Within XXXX days a notary was at my home having my wife and I to sign papers and give documents. The process was to conclude by mid XXXX. However continue to get requests for similar documents and the mortgage did not closed in XXXX. Reason given the Finiance company was slow with process. We were told not to pay XXXX 's mortgage, so when it did not close, we had to pay a {$63.00} late payment. We continue into XXXX 2015 and received repeated request for docucments, which we supplied. We got to the end of XXXX and gave them all requested information. Mortgage still did not closed. Reason given Secure Lending did not review documents and Mortgage was rejected. We had to pay another {$63.00} and it resulted in our mortage being paid after XXXX days, causing issues with our lender and damage to our credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (VA).
Issue: Billing disputes

Complaint: The original charges of {$90.00} and {$41.00} were charged by XXXX for monitoring. In XX/XX/XXXX I had contacted the XXXX in Arizona to complain about a new security alarm system not working and not being able to make contact for technical service. They have not responded to XXXX. Therefore, XX/XX/XXXX I called the dispute dept. at 53 Bank to register a dispute against XXXX 's monitoring charges of {$90.00} and {$41.00}. Fifth Third Bank issued late payment and interest charges of XXXX against my account on XX/XX/XXXX after I had called disputing the charges. Debits of {$90.00} and {$41.00} were issued on XX/XX/XXXX but the late payment fee and interest remained on my account. I called again concerning the late payment and interest and the dispute dept. told me that they will remain on my account until the issue was resolved and I would either have to pay or they would be removed after the dispute was settled which would take up to 90 days. I asked them why they did n't remove the late payment and interest charges also because I am receiving collection calls on something I am disputing. They told me not to be concerned that my account was documented on the disputes. I am still receiving numerous calls from collection agent on paying this late fee and interest. I told them that I was not paying for any charges that were not justified. I continue to get collection calls and another late payment charge on a balance that was a late payment charge for items in dispute. When I called today they were wanting to switch me back and forth to explain their procedures. My complaint is on their procedure of not removing the late and interest charges until the disputed matter is resolved. To me they are gouging their customers. It took them almost a month to remove the charges from my account and then they want to charge me excessively for late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: According to Section 392.101 of the Texas Finance Code prohibits a third-party debt collectors or credit bureaus unless the third-party debt collection or credit bureau has obtained a surety bond &  filed a copy of the bond with the Office of the Secretary of State. XXXX XXXXis illegally trying to collect debt from me & has illegally reported an alleged debt to all three credit bureaus. SUBCHAPTER B. SURETY BOND Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in  the amount of {$10000.00}. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX. Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXXXXXX XXXX ... Continuing to phone calls even after point of contact has been made. Requested to receive information in writing. I receive roughly 3-4 phone calls per day! Repeatedly asked not to be contacted, told them they were harassing me. They were rude and deceiving. They call and when you answer the line disconnects ; forcing you to return not a call to see whom it was. Asked not to be on a recorded line. They are contacting in regards to a debt that is past the statue of limitations. I am requesting for them to leave me alone. Either send the information in writing and allow me to contact them. They refused, as well as continuously hanging up on me without resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have made over 6 attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with loanDepot.com, LLC (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In her response to our CFPB complaint ( XXXX ), XXXX XXXX XXXX has used inaccuracies to justify LoanDepot maintaining a Delinquent Account alert against my credit reports. She states that all statements concerning this situation were sent to me and also placed on their website ( attached ). This is not true! I never received these documents and was completely ignorant of their existence till we received their letter dated XXXX XXXX XXXX with a XXXX check as return payment for our XXXX XXXX loan payment ( attached ). We immediately sent in a total of XXXX in a check and electronic payments to get us current. 
Based on my immediate monetary response to LoanDepot after receipt of the only document ever " sent '' by LoanDepot, I feel the " Delinquent Account '' notification against my credit reports is no longer justified but is being maintained to punish me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Medical) with Professional Debt Mediation, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There was no signature or contract verification of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Medical) with Senex Services Corp. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Medical debt was paid in full in XXXX of 2015. XXXX seperate accounts for {$54.00}, {$20.00}, and {$7.00} were all paid off in XXXX lump sum payment. The debt collection agency reported the collection to the credit reporting bureaus XXXX months AFTER they were already paid in full, thereby negatively impacting my credit score due to collections accounts that no longer existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (FL).
Issue: Fraud or scam

Complaint: The date in question is XX/XX/XXXX, and the XXXX XXXX, MI resident apart of the Scam that was allowed by XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MI XXXX. 

XXXX item # XXXX PayPal Email ID XXXX - XXXX   Details : On XX/XX/XXXX an XXXX  transaction for {$470.00} took place for a clothing garment. Upon receipt of the item, XXXX XXXX XXXX a complaint with XXXX/paypal stating his package was empty/never arrived, despite tracking information showing otherwise as well as my prior XXXX/paypal record 's having not 1 blemish for years of transactions. 

The buyer disputed his transaction with his card issuer, which immediately sided with him, prompting paypal to open an investigation and leech funds from my account to give back to the buyer. This is not normal consumer practice. At no time in my life have I ever bought an Item then scammed the store or the seller back for the money as well. This is NOT acceptable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problems when you are unable to pay

Complaint: I was put on a payment plan with Capital One Auto Finance and completed the plan. They stated I am contractually current with a confirmation number. However they have reported me as 180+ days late since completing the plan and it 's been more than 30 days since I completed the plan. I believe they have violated the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Coast to Coast Financial Solutions, Inc. (AE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is a case concerning XXXX XXXX. First, the debt is XXXX, as my account is closed. I still retain online access to my account, and I have a XXXX balance. However, the company reported me to a collection agency, which in turn reported to a credit bureau, thus damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (VA mortgage) with loanDepot.com, LLC (ND).
Issue: Application, originator, mortgage broker

Complaint: I recently applied for a VA Home Loan through Loan Depot. XXXX XXXX, Senior Mortgage Banker, ( XXXX ) XXXX, XXXXXXXXXXXX was the contact. It was XXXX/XXXX/2015. I agreed to pay Loan Depot {$2500.00} for the origination charge with no charge to lock in the interest rate of 3.75 %. Between North Dakota 's title company and abstractor, the process of closing this loan was so slow that my loan interest rate of 3.75 % unlocked and through no fault of my own, I lost my interest rate of 3.75 %. On XXXX/XXXX/2015 I was forced to pay Loan Depot a higher origination fee of {$2600.00} PLUS an additional fee of {$1300.00} to secure a HIGHER rate of 3.875 %. XXXX XXXX, Sr. Account Manager III, ( XXXX ) XXXX tel/fax, ( XXXX ) XXXX ext. XXXX, XXXXXXXXXXXX dealt with North Dakota 's title company and abstractor. 
The amount of time it took for XXXX to get the paperwork in order was very slow. Loan Depot knew " the delays on XXXX XXXX 's application were outside the control of both parties '', but they went ahead and raised my rate and hit me with new charges anyway. I considered that unethical but I signed out of fear they would raise the rate even more. Knowing the delays were beyond both parties, why am I the one paying for the delays while Loan Depot is collecting additional interest, higher fees, and additional fees? 

See also : Case number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (I do not know) with Financial Credit Service, Inc. (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have received a few phones call from a company that refers to themselves as either " Litigation department '' or XXXX XXXX, attorney of ARA division. They 've contacted me regarding a credit card debt that is over 15 years old, I believe. I 'm not sure what the debt is. As a victim of identity theft, I 've ask them to identify the debt and provide me with proof of this debt since I 'm not certain that it was me. I asked that this information be mailed to me. 

When I asked for information, the female representative accused me of being a liar, used foul language, threatened me with court, and hung up on me. I called and back and spoke with gentleman, who immediately took an aggressive tone with me and I thought it was best to end the call at that point. 

Now, I 'm getting garbled voicemails that state they are filing an affidavit against me. If the company can not provide this information, I will not pay it. To simply call someone up, claim they owe money without provide proof is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company is attempting to collect a debt that is past that statute of limitations in Oklahoma. Per Oklahoma Law " Collection of Rents is 5 yrs. Tit. 12 95 ( 11 ) ''. The debt is from XX/XX/2010, which is well beyond the limitation set by the state of Oklahoma.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (I do not know) with URS Holding, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been getting hang up calls, every day from Enterprise Recovery Systems in XXXX, California. They are calling on a range of numbers, starting with XXXX through XXXX. They fail to leave a voice mail identifying themselves or who they represent. I also, to the best of my knowledge, never received a letter in writing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Credit card debt) with Stephen L. Bruce, P.C. (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was involved in a car accident in XXXX of XXXX in which I suffered a XXXX XXXX Injury ( XXXX ). I had been reported to a collection agency in Oklahoma ( Stephen L. Bruce XXXX XXXX ) who refuses to follow the law. This company ignores the rights I have under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have sent multiple letters exercising my rights to ask for 1 ) dare of first delinquency and also when I missed my my first payment. 2 ) Statute of limitations may not validate the debt. 3 ) Copy of the original signed agreement and balance on the account from zero to present. 4 ) What is the account number of alleged debt? 5 ) When was the last payment made o this debt? 6 ) What was the credit limit of this account? 7 ) XXXX XXXX XXXX XXXX are trying to collect the wrong amount. 8 ) XXXX XXXX XXXX XXXX are asking me to pay more than what is owed. 9 ) XXXX XXXX and XXXX are trying to collect a debt that is not valid. 10 ) XXXX XXXX XXXX XXXX have not accurately verified & validated the debt. 11 ) XXXX XXXX XXXX XXXX information concerning this debt is inaccurate and must not be reported to the CRAs. In good faith I have offered an olive branch to XXXX XXXX XXXX XXXX to settle the debt because I have documentation of everything from my near fatal accident, medical history and official papers explaining how I am currently dealing with this stressful situations. I 've given official statements and paperwork from my neurologist to behavioral counselors and have expressed to this company ( XXXX XXXX XXXX XXXX ) that at the time of this application ( XXXX XXXX ) was being rendered that I was mentally impaired, incompetent and incapacitated. I continue to have difficulties and suffer from severe headaches, panic attacks and have also survived a suicide attempt. I have told XXXX XXXX XXXX XXXX that I have exhausted all of my time and energy asking them to leave me alone and to give me room to breathe so that I may be a productive citizen with the remaining time of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (FHA mortgage) with TIAA, FSB (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Good day, Please accept this complaint, as I have been working with the servicer to modify my loan. We are in the middle of the loan modification and I have been very cooperative, this would be the second attempt to try to resolve this hardship. I do n't understand why they have scheduled a sale date for XXXX XXXX, XXXX. This is my home, my childrens home and I am very distrought with the fact my home can possibly be solved, where will we go? We have no where to go. Please help.

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 EQUIFAX, INC. (VA).
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: The estimated month and year that this account will be removed is different on my credit reports. The open date of the account is incorrect. The last payment date was after the closed date which is incorrect because no payment was made after the account was closed. And my credit report is showing on time payments after the closed date, which is obviously incorrect. I asked the credit bureaus to remove the inaccurate information, however they have failed to do so.

Company response to consumer: Closed with explanation