milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-03-2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Home equity loan service company SLS took over from another home equity loan service company XXXX in XXXX. Since SLS has begun servicing nothing has been correct on my account since, including payments made. Below is a description of the problem. 

In good faith I have attempted to get resolution with you, ( SLS ), regarding errors to my account to no avail. My account has always been in good standing with you, XXXX I provided proof of all payments for 2015 ) since you took over servicing from XXXX, however my current monthly statement does not reflect so. Each month, proactively, I have called SLS speaking with a number of individuals in executive services and have received acknowledgement my account is n't correct in some way or other and from several individuals been told that you had a number of errors from XXXX accounts that came to you from XXXX including mine. I was also told by XXXX that my monthly payment is n't enough to payoff the entire loan balance under the terms of the modification I completed with XXXX last year and someone needed to complete an audit. 

From XXXX last month, a review of my account is warranted, monthly payments were n't applied properly and that I would receive a call back from someone within 5 days after a review. Nothing by SLS to audit or correct my account has been completed. 

Therefore, since you have been negligent in completing a through review of my account and correcting errors, including payments, I am filing a complaint against SLS with the Consumer Financial Protection Bureau an affiliate of the XXXX Treasury that oversees improprieties against consumers. I also have reason to believe that due to my account errors with you my credit rating has been denigrated.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Medical) with Franklin Collection Service, Inc. (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A collection agency has been calling me over and over even contacted my work twice after my general manager telling them not to call my workplace and they called back a second time and spoke with me and I told them not to contact me at work and they would n't tell me how they got my work phone number. They call my cell phone back to back almost every day of the week, I have cell phone bills to prove that and screenshots on my phone showing back to back phone calls in the same day. I have told them I wanted to dispute the matter and I still have n't received anything for disputing the debt. They have told me if I did n't pay this debt they would be suing me and garnishing my wages and they keep giving me a certain amount of time to pay off a XXXX debt. Every time I talk to them they ask for my full social security number address and phone number. I feel like I 'm being harassed, and they are making me feel very uncomfortable and uneasy asking me for all this personal information. I asked them last night what the matter was concerning when they called and they said it was concerning a hospital and I asked what about and the lady would n't tell me all she would say is she needed my info it was a matter with the hospital. I asked why they could n't call me if it was concerning them and they said because they hired them to do it. I just know its not professional and it 's making me feel harassed to the point I want to change my phone number and address and even my place of employment. This is crazy and scary and it 's not even accurate. I 've told them this time after time and they still continue to harass me. Their name is Franklin Collection Service, INC

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LoanCare, LLC (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX 2017, the XXXX XXXX paid my loan to Loancare, and in XX/XX/XXXX, I asked for more help, and LoanCare did not acknowledge the payment, and was charging extra late fees and trying to get double payments. XXXX XXXX and I both tried several times to get in touch with them to get a current statement reflecting the true amount due, and payment of the previous month. The payment was ready to be sent off at the end of XX/XX/XXXX, but despite our efforts to get an updated statement, he decided to pay it XX/XX/XXXX. Yes it was late, but still they had not gotten back to us. It is the only late payment on my credit report, and I asked them via email, to please get it off my report, so I could refinance at a lower rate, so I could afford payments. If they would have just responded, the payment would have been received on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (NY).
Issue: Taking out the loan or lease

Complaint: From the Desk of XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Email : XXXXXXXXXXXX XXXXTo Whom It May Concern, I am writing this letter in the hopes that you will help me with this unfair and overwhelmingSituation that I find myself in. I believe now that these original consumer lease agreement that was granted to me by Ford Credit Company was illegal and violated my rights as a consumer. I will list below some of the issues and facts that are the most obvious and reference. 

The Ford Dealer and the Company Ford Credit discriminate me by my national origins offer me XXXX flipped loans with terms that are less favorable, like a higher interest rate. 
The company flipped my cars 3 times and the last time it was a lease .I got a Ford Explorer XXXX for 24 months lease terms. 
The payments were very high at the end of my Lease after 24 months Ford Credit told me that I have 36 months. I asked them that it was not what I signed it in the Ford Dealer. 
The Ford dealer closed it. Now Ford Credit has those Predatory Lending contract with the 12 months added by the dealer that now it is not in Business for fraud and malpractices. The Dealer represents Ford Company as a Franchise. Ford Credit has the predatory lending contracts. I am paying for every month to Ford Credit, not to the Dealer. 
The company offer me in market the same car a Ford Explorer with a lease for 24 months for {$220.00} per month. My lease was 24 month for {$470.00} per month and also the Ford Dealer and Ford Credit added another year.I am paying almost XXXX around 50 % interest compare with the prices in the market. 
It looks to me like a Predatory Lending in a car lease and flipping of Car Loans. 
I need the reimbursement me for the high interests that I did pay already for my lease. 
I need assistance from the Financial protection Bureau to stop the harassment, abuse and stop the treats of legal retaliation in my credit report. The Lease is over paid. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Mortgage (FHA mortgage) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Application, originator, mortgage broker

Complaint: We began dealing with Regions mortgage lender, XXXX XXXX, on XXXX XXXX. We are first time home buyers and have had a terrible experience with our lender. She has told us on several different occasions in emails that she was going to overnight us sensitive material and eventually emailed the information for us to sign and scan back to her through email. She never explained any of the information we signed. We had to order our own home inspection because she kept telling us she would and never did. We signed documents that state our home was built XX/XX/XXXX, which it was built XX/XX/XXXX. We have been told it is our insurance company who she is waiting on to be able to order a closing date and when we contacted the insurance XXXX was told he too was waiting on a closing date. We confronted our lender and was told the closing date is taking so much time because we did not submit an employment letter until XXXX XXXX and again on XXXX XXXX. We have asked our lender to be honest with us and to communicate effectively with by keeping us informed about the loan process. We have contacted her supervisor, XXXX XXXX, who inquired about the loan process and was unsuccessful at getting a remedy for our problem. The home inspection was completed on XXXX XXXX and the lender did not have the appraisal ordered until XXXX XXXX. The appraisal was completed on XXXX XXXX and submitted his report on XXXX XXXX. We continue to wait on a closing date. We were never spoken to about the rate our loan would be nor the monthly payment. We have contacted the lending supervisor on XXXX occasions and the XXXX time she did not call us back after we explained to her about the lack of communication with our lender. We began this process on XXXX XXXX and it has been a nightmare. We have been told the lender was waiting on a FHA loan number and several other excuses for her lack of communication with us. We can not express to you how tired we are of dealing with Regions and feel our hands are tied because we want to close on our new home and it will take even longer to close if we use another lender. Our credit scores are XXXX and above. Please help us resolve our problem and prevent this problem from occurring in the future. We just want to close on our home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (KS).
Issue: Loan modification,collection,foreclosure

Complaint: We are a victim of Ocwen mortgage and their fraudulent activities, such as adding misc fees and misdocumentation of our payments. They refused us a modification after 4 months of sending us letters stating " loan modification is available to you, '' then simply sending a letter stating through various successors and mergers our loans current investors wo n't allow a modification. We obtained and paid what we thought was a reputable attorney who was able to get a modification for us, they would not reveal the terms until after we made the trial payments. The terms were for us to sign we now owe {$200000.00} ( the original mortgage was for {$190000.00} in 2006 which we have paid over {$150000.00} of over the last 9 years XXXX and after paying for another 22 years they want us to pay a balloon payment of {$110000.00}! The attorney 's office originally told us not to sign until they clarified the numbers since it sounded " a bit off '', really? After nothing was done about this severe miscalculation the attorney 's office sent us an email on XXXX XXXX stating we need to sign and overnight the documents by XXXX XXXX to the opposing council ( attorney 's for Ocwen ), to which we replied ( are you kidding?!! ) we will not give up but we really do not know where to turn anymore!

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient has contacted XXXX parties ( in-laws ) in regards to my outstanding student loan debt and has announced the call as a debt collection call to them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2014 I was approached by USAA to refi my home. They told me I would have XXXX online access to my account. In XXXX 2014 I closed on the refi and paid all the closing cost. At that time I had the access that was part of the agreement. In XXXX 2014 I applied for auto insurance with USAA. During the phone interview I admitted to committing a felony over 10 years ago. I was denied insurance, that was fine. I have the mortgage payment automatically taken out of my checking and I pay XXXX toward principal. Well last month they took more than I authorized so I went on line to check why to find out I was denied access to my mortgage account. I called USAA and was told if I did not like it that I could go find another mortgage company and refi again. They bounced me around for over 4 hours and told me its my problem. Never once did they put someone on the phone with a straight answer. I can not believe they are treating me differ than all there other clients with mortgages. They keep telling me I can use the phone app and I have had XXXX techs on and still no satisfaction. I feel I am being discriminated against and I am not getting the services that they are supposed to provide to the account. I feel I am being penalized by USAA if I want to pay on my principal at any time and I can not do my online business with them as stated in them obtaining my mortgage. I served my country proudly and made a mistake over 10 years ago that I paid for. If at the time of me refinancing I had options with other providers and XXXX online access is part of all there promotions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen has notified me that my mortgage payment is going up due to a shortage in my impound account, HOWEVER, they will not tell me how the shortage occurred. They sent me ( twice ) a yearly statement that showed them starting with a shortage but what they collected versus what they paid would have left them with a nice reserve. I sent a Certified letter to XXXX XXXX, XXXX of XXXX and was completely ignored. What I pay each year is in excess of what they pay out ; they should be able to show me where they went wrong in creating this possible shortage. In phoning them, I have spoken to other XXXX where the contacts have no idea of why there is a shortage, they say someone will contact me ( they do n't ) and then say they will transfer me but disconnect me, all while I can barely understand them with their heavy accents. They continue to send me statements with the higher payments and with no reason or explanation. This is a HAMP loan and from the start has had a surplus in the Impound account ; WHAT HAPPENED TO IT???? I 've checked my taxes and insurance and I still have a surplus due to small increases in my payment when these changed. There condescending attitude is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: Dear T   rans Union, This is the 6th letter Im writing about incorrect information on my credit report. I checked my Trans Union Report on XX/XX/XXXX  and the item in question was deleted on  X/X/17  to be added again on a later date. This same item was then deleted again on  X/XX/17  and added again on  X/XX/17 . The item in question has been deleted from   XXXX    and  XXXX  and never added again. ( See item in question below ).
-  XXXX   XXXX   XXXX   : Loan #   XXXX    XX/XX/XXXX  Payment For the Home address listed on the letter above.
I have attached a copy of the disputed letter results sent to me by your company on   XXXX   The payment was made along with future payments, I would like to get the 30-day late payment removed, since the payment was made. I signed up for electronic communication when this account was opened and opted out of paper communication per   XXXX   XXXX   suggestions. I should have received my monthly reminders as I had in the past, but that did not take place and was confirmed by   XXXX   XXXX  . I also did not receive any phone calls from   XXXX   XXXX   in regards to this situation.
Please delete this misleading information, and supply me with a corrected credit report within 30 days. You have left me with no choice, I have filed a report with the Consumer Financial Protection Bureau on  X/XX/17 .
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Debt collection (Credit card) with Capital Management Services, LP (NJ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Capital Management called me today on a credit card matter that I thought was taken care of. It is not on my credit report at all. No where to be found. The person first called me at work which number I have never given to anyone but my loved ones and my daughter 's school. He then called me on my cell and started to threaten me by saying rude remarks about how this needs to get paid no matter what the case and the fact that he would pay a bill unlike me. He got very nasty when I asked for a letter when I have n't received any of them from before. He wanted to email it to me but I have rights to receive a paper in the mail. He degraded me about why I do with my day and why I should be taken care of this before. He offered a settlement and I told him I could n't afford XXXX dollars up front and he said most people can. He does n't know my situation nor tried to help. He kept up with the snarky comments and would n't back down. It was to the point where he would n't let me off the phOne until I paid him which I would not do until I figured this out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Auto) with ALLY FINANCIAL INC. (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Vehicle payment is past due. XXXX was contracted by lender, Ally Financial, to repossess the vehicle. Unable to locate the vehicle for repossession, " investigator XXXX '', an agent of XXXX, identified himself as law enforcement, made false statements about imprisonment and crimial charges to myself, my husband, and to elderly third parties at my home address. " Investigator XXXX '' also called the elderly family members on their personal cell phone and made additional threats of imprisonment and XXXX. XXXX working for Ally Financial have threatened imprisonment, have harrassed myself and family members at home, telephone harrassment, and impersonated law enforcement. Ally Financial and XXXX have violated The Fair Debt Collection Practices Act ( FDCPA ) and the Florida Consumer Collection Practices Act ( CCPA ).

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 01/30/2017 about Mortgage (Conventional fixed mortgage) with FIRST NATIONAL BANK OF PENNSYLVANIA (OH).
Issue: Loan servicing, payments, escrow account

Complaint: We received a notice that our monthly mortgage payment would increase by {$100.00} in XX/XX/2017 due to escrow balance being short. This is not the first time that we have received a notice like this. FNB noted in the documents that we could either pay the entire shortage of {$1700.00} or our monthly payment would increase by the {$100.00}. We are already stretched to the limit. The increase in payments happened as well when we had our mortgage with XXXX ( purchased by FNB ). Our original payment with XXXX ( purchased by FNB ) went to {$1600.00} per month. I went to XXXX and we modified through HARP program. Two years later we modified due to hardship as we fell behind because my husband loss his job. Our modified loan has a 40 year term and the interest rate is lower but our term is stretched longer with a still high payment. I will be XXXX when it is paid off. FNB gave us two weeks to sign papers and get them back or the alternative was immediate foreclosure. I was never sent a copy of the paperwork. This latest notice is just the icing on the cake. We are still struggling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Other fee

Complaint: I applied for a Capital One Quicksilver card on XXXX XXXX, 2015. I read through the terms presented on the webpage before filling out the application. The terms as presented on the webpage stated that there was no membership fee for the card. I received the card and activated it and was surprised to see a membership fee on the listed charges for the card when I set up an online account. I called to question the fee and was told that it was a term for my account. I went to double-check this and saw that the terms listed on my card did list a {$39.00} membership fee which was contrary to the terms presented to me when I signed up for the card. I faxed Capital One on XXXX XXXX, 2015 a letter letting them know that the terms presented to me when I signed up for the card did not state a membership fee and that was the card I thought I had signed up for. I included a print-out of the page I had read with the term listed of no membership fee. I received a response on XXXX XXXX, 2015 in the form of a letter from Capital One stating that they would not waive the membership fee. I called to follow up and was told that there are more than XXXX 'Capital One Quicksilver ' cards, a Quicksilver and a Quicksilver One and that I had applied for the one without the fee but qualified for the one with the fee. I am a very upset that I was misled in this manner by this type of bait-and-switch of XXXX cards with similar names. If Capital One wants to charge a membership fee they need to make it clear in the terms presented when you sign up for the card not just have it appear in the terms that appear once you have already gone through the process of applying for the card. This is a misrepresentation and/or fraudulent conduct as presented to the consumer.

Company response to consumer: Closed with explanation