milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2017 about Mortgage (FHA mortgage) with Fay Servicing, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: POC : XXXX XXXX QWR Notice of Error Loan : XXXX Property : XXXX XXXX XXXX, XXXX, Ohio, XXXX Owner : XXXX XXXX XXXX Trustee Mortgage cosigner : XXXX XXXX XXXX 1. I have been notified by my counsel that the case XXXX has been asked to be dismissed by Faye Servicing counsel is this true? 2. If yes is the investor no longer going to be pursuing the note? 
3. If no what kind of time frame will XXXX be releasing the mortgage? 
4. XXXX 's attempt to collect discharged bankruptcy debt and there placing of illegal fees for improper Forced Placed Insurance on my property which over the past 4 years has accumulated in excess of {$3000.00}. This along with the old reinstatement amounts that I have been forced to pay over the past 3 years which have included XXXX attorney fees and inspection fess filing fees has forced me to invest money I did not have at the time well above the amount of the note on this property. 
5.I have now had to invest more money and devote more of my valuable time taking me away from far more valuable projects in my company pushing back very profitable projects to help with the defense of case XXXX. I will be looking for compensation do you have a contact number for a department that I can discuss settlement with at XXXX and if so please forward it? 
6.The mismanagement and negligent actions of the debt collection services for XXXX over the past 4 years and present have caused me undue financial hardship and mental abuse this has been a long and exhausting journey for me my wife and family. I hope that we can come to some common ground on getting this matter closed and behind me. As I as always express it is better to resolve things out of litigation rather than in court. XXXX as of today the file on this property in which I have forwarded to you by email and in a CFPB report list over XXXX e-Regulations violations not but least including violations of RESPA Section 6, Reg X, Z FDCPA violations and worst the 11 U.S. code sec.524, 944 attempting to collect discharged debt and violating the signed agreement XXXX court ordered by Honable Juge XXXX XXXX XXXX in case XXXX. Now making matters worst I have discovered this was placed as a foreclosure on my credit report as an extremely delinquent account this is not accurate I never owed a large sum the money that was trying to be collected. I only stood my ground and refused to pay on debt that I did not owe. I will looking for the investors response on the settlement of all these matters in connection of my loan. 



Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I paid already an account and they said I did n't pay and reporting late paid

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Billing disputes

Complaint: American Express is working in collusion with XXXX, which is unlawful in the United States. I purchased tickets from XXXX on XX/XX/XXXX. Delivery was promised within 10 to 14 days at time of transaction. XXXX has been unable to deliver the tickets and agreed to provide a refund. However, no credit was issued. I contacted American Express to initiate a dispute. American Express stated that do not accept disputes from XXXX regardless of the situation ( due to their partnership as Amex makes money off of XXXX ). Regardless, it is illegal to charge someone for an item that can not be delivered under the transactions terms and American Express is not acknowledging that. I spoke to Amex representative in XX/XX/XXXX who agreed to have his supervisor override the system to initiate a dispute. But when I checked back, no dispute was ever initiated. Now, XXXX can not deliver tickets, promised refund, did not provide refund AND American Express refuses to initiate dispute, then promised to initiate dispute, now refuses to initiate dispute and has collected {$330.00} for a fraudulent transaction by honoring their partnership with XXXX ( aka XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Non-federal student loan) with United Student Aid (USA) Funds (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I XXXX XXXX claim that a company known as USA Funds , Inc. has been for a great deal of time tried to collect a debt that may no longer be valid. The referenced collections state that the debt service date to be 1998. If these debts were in fact educational loans, they would have been backed by guarantee with the U.S. Department of Education. 

I claim that USA Funds, Inc. acquired these debts from a debt pool system, and that the enforcement date can no longer be valid by California laws. The only method in which these loans would be valid is by a guarantee to the U.S. Department of Education. 
USA Funds , Inc. state that one of their options is to assign the listed student loans to the U. S. Department of Education. If that were true that USA Funds Inc. could, then I advise them to do so. The attached letter is in violation of the Fair Debt Collection Practices Act based upon the following facts that the attached letter even stipulates : LENDER : XXXX XXXX XXXX XXXX - This means that the loans were securitized and then ownership was fractionalized. USA Funds Inc. has no skin in the game other than to use my credit history hostage, they have no assigned right to ownership from any f the fractionalized owners of the debts that were securitized, and for USA Funds Inc. to take a position that they can take legal action where they have zero chain of ownership or assignment of authority is not only an FDCPA violation, but a violation of my civil rights as a member of the XXXX XXXX XXXX. 

I DEMAND THE CFPB AND THE FTC PURSUE USA FUNDS INC FOR MY FDCPA AND CIVIL RIGHTS VIOLATIONS AS MANDATED BY FEDERAL GUIDELINES!!! 
The attached letter if full of abusive threats to me as a person and my own credit history. USA Funds Inc. will be sued if they persist with these threats and if they do not purge my complete file immediately. This company is nothing more than XXXX of XXXX of collection agencies nationwide that abuse the system and due process as mandated under my protected legal and constitutional rights. 

This letter is proof that these loans were securitized through a third party investor. USA Funds Inc. has destroyed my personal credit on debts that are no longer valid. I will proceed with a federal lawsuit against USA Funds Inc. if they can not validate a legal collection process. 

I demand that a letter of release be submitted within 30 days, and that all illegal collection processes cease immediately, along with the deletion of all accounts from each pertinent credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Capital one has harassed me i told them many times that i had fraud charges on my account. the account was closed back in 2014. they were to remove the fraud charges but never did. after many many calls we got nowhere. they then tried to sue me for this debt for XXXX i was served with legal paper. this company was a joke they have made my life a nightmare. after all this i refused to pay a debt that was not mine but my wife offered to pay it and i refuse. She said she wanted to just be done with this so she called capital one many times they assured her once the debt was paid it would be a XXXX balance. she settled the debt for XXXX i believe, they promised her due to the fraud charges they would put the debt to XXXX dollars. and after everything they put us through you think they would stick to their word. They did not. this debt is still on my credit report and its still showing that i owe them when in fact i dont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2015 about Debt collection (Credit card) with SUNTRUST BANKS, INC. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a dispute still under investigation with XXXX of the credit bureaus. 

XXXX XXXX XXXX is the debt collecting company collecting on behalf of Suntrust Bank on my credit card debt. Even though I have been paying on time according to the negotiated terms and allowing the company to directly debit my bank account they are still reporting me monthly as paying late because they are using my total balance owed as past due instead of reporting the amount due as the payment amount that they agreed to accept as a monthly payment in XX/XX/XXXX. I am being intimidated and/or threatened by this tactic. When I spoke with a XXXX XXXX XXXX on XX/XX/XXXX to try and resolve this issue with them directly, he essentially told me that they would continue reporting me as late until the entire balance is paid off. I acknowledge that I owe the balance but if I could pay the whole balance off in XXXX lump sum I would not be in this situation. I am trying to do the right thing by paying as agreed according to the negotiated terms of repayment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (FHA mortgage) with FIRST AMERICAN FINANCIAL CORPORATION (TN).
Issue: Application, originator, mortgage broker

Complaint: We purchased our home in XX/XX/XXXX. We were not sent a copy of our owners title insurance policy. I called the title insurance company for a copy and was told that she would work with the current title company in every way but never said anything else about me getting a copy. Now she wants to only give an indemnification letter not a copy of the policy. We are trying to refinance and have learned that the liens on the house are still outstanding. Liens to be satisfied at the time of closing. None have been released. The title company that closed on our loan is out of business and she is now working for another company and acts like its not her problem when she has the canceled checks showing where the liens were taken care of, Without a policy number I ca n't even submit a claim and am being stonewalled on all sides, ( the builder got in trouble and vendor liens were placed on the house, We knew this going in and were told it would be no problem. XXXX of the vendors said he did not get paid. Even the attorney of record is not available for me. Said she would not have any papers pertaining to our loan. I also checked out the title company that did the closing and she had not had an active business license in the state of XXXX since XX/XX/XXXX. Yet she closed my loan in XX/XX/XXXX. She now works for another title company as senior underwriter and told me I ca n't be calling her. She says my files are in XXXX and she ca n't get to them and her computer has crashed. 
What recourse do I have available to me? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX can fax you anything you need, I ca n't email at this time. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have XXXX accounts listed on my credit report by a collection agency called " XXXX XXXX XXXX ''. I have disputed both with Transunion and the response was a remark on my report indicating " DISP INVG COMP-CONSUM DISAGRS ; & gt ; PLACED FOR COLLECTION & lt ;. 
Under loan type both are listed as " FACTORING COMPANY ACCOUNT ''? I have no idea what that is or what it means. 
I have requested documentation such as signed documentation that these are my accounts as well as payment history to show where they came up with the dollar amounts listed. Neither Transunion nor XXXX XXXX XXXX have provided any documentation. Simply the notation on my credit report that the investigation is complete. 
How does a collection agency get to throw items on your credit report without any documentation whatsoever? What recourse do consumers like myself have?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a loan modification application to Seterus, over two months ago and the company refuse to process the application and refuse to give me information concerning my loan. I received a letter from Seterus, requesting my attorney 's information but I do n't have XXXX. The company also incorrectly calculated payments from Florida XXXX XXXX, applying more interest than the contracted amount.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (Medical) with Professional Claims Bureau, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving phone calls from a company called PCB about a medical bill from a year ago. What 's alarming to me is I have yet to receive a detailed statement, as this was from XXXX year ago. 
I spoke with my previous insurance company and was informed there is no outstanding balance, and I have documentation as well. 
I 'm being intimidated by a representative named XXXX, that I have to pay my debt which I do n't have. Upon trying to get further information and explaining the situation once again, I 'm either put on hold for a long duration or they disconnect the call. 
The reps name is XXXX from PCB, and the number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Medical) with AMCOL Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from AMCOL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMCOL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Payday loan () with Delbert Services (NM).
Issue: Received a loan I didn't apply for

Complaint: This is my XXXX complaint about Western Sky Financial. I got a call from their thrid party company a man name XXXX XXXX leaves a voice mail saying he is coming to my house with the sheirff deparment to serve me documents on a case against me, they called froma XXXX on the voice mail he told me to call a XXXX XXXX, I am sick of these low life people and their tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (VA mortgage) with iFreedom Direct Corporation (OR).
Issue: Application, originator, mortgage broker

Complaint: I am veteran who aplyed for a VA house loan with Veterans First mortgage in XXXX XXXX, ca. After working with them for 8 mos. doing all the paper work and paying {$60000.00} for a " appraisal '' the manage asked what other also was needed to complete the loan process. She was told they did not known! I then call and informed Veterans First Mortgage we were dropping them to go to go with another lender and and could we get our {$600.00} back for the appraisal that was never completed. I was told they doubted they could get the money back. They said they wondered why it took us so long to drop them. I do not want some other veteran to go through this process. Our new lender had us well on way within hour phone call! We would like to get our money back?

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: Ocwen Loan Serving LLC reported my payment for XX/XX/XXXX late. I contacted Ocwen and told the my payment was sent thru XXXX XXXX in XX/XX/XXXX. Ocwen checked and my payment was sent in cash thru XXXX XXXX in XX/XX/XXXX. Ocwen corrected my credit report in XX/XX/XXXX but they did not correct their internal records.Their records show the payment received XX/XX/XXXX. I am trying to refinance my other house. When XXXX XXXX asked Ocwen for a payment report it said my payment was late. That is not true. This could stop me from refinance my house to pull out cash to help my daughter pay for College. She is XXXX at XXXX University. Also I had some debt that I was going to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Good morning. 
I recently applied for a conventional mortgage with XXXX XXXX XXXX XXXX XXXX XXXX and have been rejected both times for reasons that violate bankruptcy laws. In addition to the bankruptcy laws it is a clear violation against my rights, reporting laws & contempt of court. Due to my physical condition it has impacted me seriously both emotionally and physically as well as financially. 

As a result of my medical condition, I had to file bankruptcy in 2008 which was discharged in XXXX of 2008 in NJ XXXX, XXXX. 

Wells Fargo was listed as a creditor for a {$250000.00} mortgage. 
Wells has reported the loan again on my credit report. I have spent hours in conversation and being jumped around from department to department, letters/emails have been written proving my case to have it removed and still yet Wells Fargo refuses to take the report off my credit. 

I am opening a case against Wells Fargo under Fair Credit Reporting Act as well as pursuing remedy for the financial impact. 

I bring this to your attention because it is another clear violation of the law and their willingness to continue this practice only reinforces the face that the recent judgement against Wells ( XXXX XXXX DOJ ) was not effective

Company public response: Company chooses not to provide a public response
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. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I went to TransUnions website on XXXX XXXX, 2017 to obtain a free credit report at https : //www.transunion.com/annual-credit-report. See attached pdf which shows picture of misleading website intentionally designed to fool people into ordering a service which they do not want and which is very difficult to cancel. 

If you go to the site you will see that they advertise a free annual report. They mention it being free several times in the paragraph that follows and there is a button to order a Trans Union report and score to the right of their description about the free services. I clicked on the Get your credit report and score button. It brought me to a three-step process which I completed. The process required that I provide them a lot of details about myself including verifying my home mortgage and even entering a credit card number. It did not occur to me that I was entering my credit card number for purposes of being billed for any type of service. I was surprised when I received an email that stated that I had enrolled in a monthly credit monitoring service for {$19.00} per month. 
I contacted Trans Union today and spoke with 2 individuals who assured me that it would be easy to have the service canceled. I went online and am not sure that the service was even canceled. 
I am very concerned that I have been victimized by Trans Union and that many other Americans are also going to be victimized by Trans Union particularly after the XXXX situation where many of us are wanting to run a credit report to see if we have been victimized.

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 monetary relief
Consumer complaint received 03-03-2017 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Credit decision / Underwriting

Complaint: My mortgage loan was transfer from XXXX to Carrington Mortgage Services back in XX/XX/2016. My credit score has drop because I do not have a current mortgage listed on my credit reports. I have contacted Carrington about this several times, and they still have not put it on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (SC).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Had this card for over a year with excellent payment history. After 1 missed payment due to a financial hardship they closed my account. They will not work with me in any way to get back on track. I do not understand how after 1 missed payment an account can be closed. And the amount of late fees are catching up to the credit line. How can any one ever catch back up. I was a very loyal customer who always paid on time and more than the minimum due. You have caused sever damage to my credit history.

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 11/21/2017 about Mortgage (VA mortgage) with ClearPath Lending (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Around XX/XX/2017 I was contacted by Clearpath Lending in an unsolicited mail offer stating that I could use a VA backed refinance to lower my interest rate. They stated that I could use a hybrid loan that started at a 2 % interest rate with deferred payments for two months but that in 3 years the mortgage would convert to a variable rate and would increase by one percent per year to a maximum of 5 percent. They also stated that this would not happen and that I would have nothing to worry about. They tried to sell me that the markets would not be good enough to allow an increase in percentage. They also stated that the VA guaranteed that the loan terms and that the 5 % was a cap that the VA guaranteed. They used their VA loan number to assure me that they were legitimate and that I was getting a good deal. 

They were very vague with the terms of the loan and would not allow me to see any legal documents detailing the loan agreement before I signed the paperwork. I fear that any other veteran may have fallen for their promises and would be stuck in a predatory lending scheme by clearpath.

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