milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC ().
Issue: Loan servicing, payments, escrow account

Complaint: I have a problem again with this company. Since they took over my loan over a year ago they have not once collected an automated payment. I then managed to pay a backlog of payments and a agreed a plan with them however they again failed to auto-draft my payment citing the fact that they would not do this while the account is in arrears. I then sent a cheque to there payment centre that they have not cashed. I now have a foreclosure notice from them and have been try to contact them. Emailing constantly and despite them being received they are now being deleted without being read. I have left message after message by phone and email with their representative without a response. I have the full amount of arrears in my bank account to pay and have continued to ask how I am supposed to pay this if they wont auto draft the money or cash a cheque. Please help as this situation is quite ridiculous. The loan is with ( Loan # XXXX ) I am concerned that they are deliberately trying to foreclose on my property through not collecting my payments. 
Bayview Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Stated XX/XX/2016 I owe {$2400.00} in debt to Pro Collect I cant get any information on it dont even know where the debt from. Seem like I cant get accurate information on 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 01-06-2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (CA).
Issue: Shopping for a loan or lease

Complaint: I applied for an auto loan. Unfortunately, Exeter Financial wanted to charge me an interest rate of 15.4 % which is absurdly high. Exeter Financial has a reputation for charging XXXX and XXXX customers higher interest rates than XXXX borrower applicants. They were trying to charge me an absurdly high interest rate because of my national origin.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a property with a note serviced by LoanCare Account Servicing. I made the first mortgage payment in XXXX. In XXXX I saw that they had taken multiple payments out of my bank account. Phoned them and spoke with XXXX XXXX at XXXX XXXX XXXX ext XXXX and she said it was a mistake, possibly a software glitch. XXXX XXXX promised me that the extra {$10000.00} would be returned and that she would call me no later than yesterday. Now she wo n't return my calls or my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Bank account or service (Checking account) with UMB BANK, NATIONAL ASSOCIATION (NC).
Issue: Making/receiving payments, sending money

Complaint: This is the newest bank scam being perpetrated against Americans across the country. I 've had my XXXX account with XXXX now for over 15 years. Recently my son stole XXXX of my checks from my checking account with XXXX over a 2 month period. The checks totaled over {$1800.00} and all were documented. I 've been involved in transit living now over a year due to an electrical fire at my home back in XXXX XXXX. It has been a XXXX experience with my being a XXXX senior. 
Most days I 'm very busy remembering and recording the losses for XXXX and the claims process. I failed to audit my checking account with XXXX until XXXX XXXX and noticed the fraudulent entries by my son. As soon as I did I took him directly to the XXXX XXXX Police Department thinking they would arrest him. Because of his age at that time and him being a minor, they could n't arrest him. After filing the police report, I was informed they would contact the XXXX for a hearing. I contacted XXXX immediately after filing the report. 
A XXXX could plainly see that these were'nt my signatures ; they were printed. XXXX stalled the process as long as they could, continuously requesting the same documents that had already been sent to them. This went back and forth for weeks if not a month. I knew in my XXXX exactly what they were doing. They were attempting to frustrate me to the point of giving up which I 'm sure has been the case many times before. 
Sure enough when the claim was presented to UMB bank, they denied it because " it was n't presented in a timely fashion. I 've been down with the flu is why I 've taken so long getting this complaint to you. Please help me, I want my money. This is the reason for the FDIC, these funds are insured against theft and fraud. My question is who is going to insure me against the criminals UMB and XXXX ; clearly there 's collusion between the XXXX. This happened for XXXX reasons ; first I 'm a senior ( XXXX XXXX XXXX ) and I also happen to be 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 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I initially did a dispute through XXXX and XXXX and XXXX to verify this account. It was considered unverifiable and removed from my credit report in XX/XX/XXXX, After sometime the account was readded without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen has the new payment wrong ( was interest only and principal payoff is starting now ), admits the mistake, but wo n't send a new statement with the correct payment. We 've wasted XXXX hours on the phone with their XXXX call center who keeps passing the issue around in circles. They have a payment based on 5 yrs rather than 15 yrs as per the loan docs. They realize this is wrong but XXXX ca n't seem to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/XXXX I mailed a certified letter, return receipt requested to Wakefield and Associates disputing my debts and informed them in the letter to only contact me by mail. On XX/XX/XXXX a XXXX XXXX signed for the letter at Wakefield and Associates. XX/XX/XXXX XXXX from Wakefield and Associates called me and left a voicemail message stating who he was and this was an attempt to collect a debt and to return his phone call.

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 06-01-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Fair collections and outsourcing are reporting on my credit report saying I owe them a debt. I never agreed or signed any contract with FCO. They sent me a contract via cfpb with a signature that is ntot mines and lied saying I never contacted or spoke with anyone verbally. I have no abiding contract with FCO and they refuse to stop reporting on my credit report. They are in violation with the Fair Credit Reporting Act.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent a letter to  Trans Union letti ng them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and  Trans Union ref uses to delete the fraudulent accounts from my credit report stating in a letter its verified.  Trans Union provided no physical evidence to why they wont remove it, according to the   FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. The accounts that came from identity theft are listed below also here is my Credit report number :   XXXX   These accounts need to be Deleted asap!    XXXX  -  XXXX ,    XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   -  XXXX ,   XXXX   XXXX   -  XXXX   XXXX / XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Medical) with Simon’s Agency, Inc (NJ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have notified Simons Agency Inc by Certified mail about this complaint and they completely ignored my complaint about this issue. 

Simons Agency Inc in NY has been trying to illegally collect from me and has left XXXX entries on my credit reports. I have asked NJ Treasury to look up Simons Agency to verify if they are bonded or not ... NJ Treasury has confirmed to me that Simons Agency is not bonded to collect in NJ and is not legally allowed to collect in NJ without bonding. 

According to New Jersey Section 45:18-1 Collection agencies must file bond to engage in the business of collections in NJ, there for Simons Agency is not legally allowed to collect from me or put anything on my credit report because they are not bonded to do so. 

Simons Agency Inc has already broken NJ law and is in violation of the law. I ask that this be fully investigated and to comply with my resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Payday loan) with CASHCALL, INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The law firm that Cash Call hired to collect their debt is calling me on my cell, my work number. They are leaving VERY DETAILED information on my parents home phone, my sisters phone and my friends phone stating that this is XXXX XXXX from XXXX and this message is for ( My Name ). XXXX ( My Name ), your agreed upon payment of {$170.00} failed to clear your bank and came back as insufficient funds. If we do not hear back from you within 24 hours we will be contacting XXXX XXXX for fraud charges for them to take their action on a state and federal level. Please return my call at XXXX ext XXXX And a XXXX also left this same message with a call back number of XXXX ext XXXX I do not live with these relatives or friends. They should not be leaving these types of messages.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Mortgage (Other type of mortgage) with Rent Recovery Solutions (NC).
Issue: Applying for a mortgage

Complaint: XXXX 2017, XXXX I have contacted this company more than one time to get this matter resolved. I have not received a phone or any feedback. It is reporting as derogatory for XXXX XXXX. I have never live there and the application was never complete. When I was going to sign a lease they change the cost of the rent before the move date application was never complete.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This agency has continued to report to chexsystems on an account I paid off in full on XXXX  and closed as agreed upon.

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 09/13/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I can not get a tax form of mortgage interest paid out of Wells Fargo. Once you pay off a mortgage, your account number no longer works in their phone system. So you wait on hold to speak with a representative. Their phone hold " tune '' is designed to kill your will to live. I was told I have to wait 30 minutes. 

Update : I have now gotten to speak with a customer service rep. Once you payoff the mortgage, Wells Fargo will not grant you an electronic rights. So there is no way now to get statements other than to phone them and deal with the mortgage bureaucracy. Since my payoff occurred in XXXX of 2015, I will need their help getting mortgage interest payments made through early next year. 

The behavior of Wells Fargo is not up to the standards of the industry. I had another mortgage with XXXX XXXX and that firm allows me 7 x 24 to log in after the loan is closed to log in and download the critical information needed to deal with state, local and federal taxes. 

Wells Fargo -- having pocketed the interest -- should have more regard for the tax compliance burdens of customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Advertising and marketing

Complaint: On XXXX/XXXX/2016 I made purchased a furniture set for roughly {$1000.00} on Kohls.com. This order number is XXXX. 

My formal complaint is regarding their credit card marketing and the misleading approach that they use. I had planned to use my XXXX XXXX yesterday and when I submitted all information in the ordering process a pop-up window appeared. I was on the very last submission page about to click " submit and finalize order. '' This pop-up says, " Apply for a Kohls charge card and you can save 20 % on this order! '' My order totaled {$920.00}. I am not XXXX to take out credit cards, but this was enough of a discount that I thought it would be a good idea. I had used a coupon code prior on the site, but it says under promotion codes you can use up to XXXX. I also looked at the fine print ON the pop-up ad and no where led me to believe I could n't use the discount especially since they already had all of my order information. I moved forward with the application process to be approved. As soon as I went back to the submission page and submitted the order I realized it had not taken 20 % off additionally. I called customer service and they told me that it was due to me having a discount already. I see this as nothing, but a misleading marketing ploy and they even agreed on the phone that it could be misleading. Even though they seemed somewhat sympathetic to me they were not willing to return my grievance of 20 % ( {$180.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: my credit report shows a different name under my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recenctly filed a complaint with cfpb to have a bankruptcy to be removed from my Equifax credit report. When the investigation was complete the bankruptcy was removed and XXXX negative items were added. This could be coincedental I found it odd right after a complaint. I 've since disputed the items that do not belong to me but it seems Equifax has no sense of urgency of getting the items removed. I reached out to the creditors and the social security numbers do not match on these accounts that were added. There are duplicates that 's on my credit report this caused my score to drop XXXX pints in XXXX day. They never verified the social security number they just added this to my report. I took the time and contacted each new item on the report and the last four of the social security numbers does not match mine.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (I do not know) with TekCollect Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm getting a variety of calls from a variety of phone numbers, some of which I 've traced to be Tek Collect. No one speaks and they leave empty voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (I do not know) with Trojan Professional Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have made every attempt to dispute this account with both XXXX and Trojan Professionals. XXXX stated that Trojan Professional verified this debt. It will be impossible for Trojan Professionals to verify a debt that do not belong to me. I have not received anything from Trojans with regards to this debt. So they are in violation of the FCRA. Please assist me in getting this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2017 about Payday loan, title loan, or personal loan (Installment loan) with Prosper Marketplace, Inc. (CO).
Issue: Getting the loan

Complaint: I applied for a medical loan on Thursday, XXXX XXXX, 2017 with Prosper Funding LLC. | XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

I was sent an email that I was approved for the loan amount requested which was approximately {$22000.00}, with the caveat that before the loan can be completed I needed to submit verification of income and provide some tax documents. I attempted to submit the documentation through their secure website, but the website would not take the information and gave me an error code. I then tried again later to resubmit the paperwork and once again it took some of the information, but not all of it. I went to the medical facility where I started the treatment that was needed, and the hospital called Prosper to verify that the loan was in good order. Prosper told them that everything looked fine. In the end, Prosper said they did n't get the paper work and what they got had discrepancies. I tried to speak with their account division to address whatever discrepancies they saw and also send in the paperwork that probably still needed to upload. Prosper told me they would not discuss this issue with me and that the account was closed and that I should never apply for a loan again. The hospital also called and with me on speaker phone was told the same thing. This is unacceptable. We are outstanding customers with excellent credit. This company now has our personal information and treated us like we are criminals submitting fraudulent information. They do n't have a loan processing department with someone to talk to? This company should not be able to have an online banking business when they are not willing to communicate with a customer regarding their application, they really want your information. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with NATIONSTAR MORTGAGE (KS).
Issue: Struggling to pay mortgage

Complaint: Starting in XXXX of 2015, nationstar mortgage company claimed that we were {$3100.00} behind. We paid this in full through our local bank via wire transfer. They stated the foreclosure was no longer a threat. We resumed our regular monthly payments of {$720.00} for seven more months. Then they claimed that we were over {$10000.00} behind on our mortgage. Our records do not agree with what nation star has. At this time we went to our local bank to get help with refinance. Our banker pulled up our account through nation star online and discovered that our payments had been raised for the third time to {$1000.00}. We had not been notified of this payment increase. Our original line of credit is a fixed interest rate. Our payments went from {$630.00} to {$1000.00}. We have went to several local banks and private people to try and get help to pay nation star off. Nobody is willing to help us due to everybody being afraid of the foreclosure. Also we have discovered through the local deeds office that nationstar has 3 mortgages on our house. A local banker stated that no financial institution will help us with having 3 mortgages on one house. This backs us into a corner to where we can not get help to recover our house. Our attorney 's records show that one of those mortgages has been paid in full yet nationstar refuses to take one of those mortgages off the deeds list. They have changed lost of things within our loan which is illegal because they are just a servicer of our loan ... ... not the actual loan holder. They have also added an escrow that we have never had and that we never agreed to. Our banker or our attorney can not make sense of their bookwork or paperwork on our mortgage. It is just random numbers and letters that do n't state what they are for. They do n't even show when a payment is made or even the wire transfer that was made for {$3100.00}. They have offered us a modification but then denied it because of my self employment as a daycare provider. Our loan is a 10 year old loan with only 3 years left. The mortgage amount went from {$30000.00} to them {$49000.00}.

Company response to consumer: Closed with explanation