milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: BPO was completed on property that we are working on a short sale on - the lender 's BPO came back extremely over valued so we completed a value dispute. Our value dispute is attached as XXXX and " Seller Report.pdf '' I have also attached the e-mail chain to the manager XXXX XXXX, I 've been trying to get him to respond since XXXX XXXX and I 've sent XXXX e-mails without a response at this time. The last response we got was on XXXX XXXX where we were told that they disagreed with our value dispute and would only offer a deed in lieu because of the condition of the property. 

The condition of the property would be irrelevant if we already have a buyer for the property who is willing to accept the condition of the property. The BPO was proven to be inaccurate and incomplete per our value dispute but they will not adjust the value. They have told us that even though the BPO was " incorrect '' that does not effect the value of the BPO - which just ca n't be true based on our dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (AZ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX Wells Fargo charged a {$50.00} " REWARDS ANNUAL MEMBERSHIP FEE '' on a credit card which they stated had no annual FEE. The fee was charged to a card that had not even been activated in my business account. If it were not due to my diligent inspection of my account I would have also accumulated interest fees. When I called to report card fraud for transactions made to my account without my permission they refused to allow me to either electronically ( disabled in their system ) or over the phone submit a fraud claim. They were willing to " provide a credit for the fee '' stating that this was a " system error '' as if they were doing me a favor. <P/>My primary concern is for other customers who will fall victim to deception intended to result in financial or personal gain by an institution paid for the service of protecting their financial interest.

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 08/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I ordered specific services from XXXX they swore I had them and for the next 5 weeks ( approx XXXX. All the back and forth was by phone or net chats. They say they record these calls but I doubt it. The most specific was XXXX XXXX Ohio ( XXXX XXXX games. They said I 'd have it on XXXX. My converter was not capable of receiving XXXX digit channels. I paid that bill and other overcharges. Then I fired them. They never provided the services ( XXXX other ) channels. They commited fraud and misrepresentation. I 'm not paying for something I will never receive. They turn it over to some collection co. names DCI. I sent them XXXX pages of proof on my part but they turned it into the Credit Bureau anyway. I 'm on Social Security and VA XXXX and just turned XXXX and I ca n't be wasting the last years of my life fighting these lying theives. XXXX XXXX is what I call them. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: HSBC Beneficial is the owner of my mortgage. I am currently not up to date with my monthly payments. For the last three months I have paid per the agreement made with them to catch the payments up, yet every month I am being charged {$25.00}. for what they describe as a `` drive by '' to see if I am still occupying the property. `` DRIVE BY '' words used by XXXX XXXX! they know I am still in the home and has not abandoned it from conversations I have had with them! Why are they allowed to get away with this, this is wrong! They have been profiled as a predatory lender. My interest rate is 7.74 ( fixed ), I have been paying on this loan for 20 years, it was over appraised when I got the loan, and they knew it. The balance is XXXX. 
I know that I have a decision to make concerning this property, and I am at a turning point to let them have it. As Consumers we need to be aware who the predators are in this industry, and there are MANY!

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was recently sold to LoanCare from XXXX. My loan originally came from XXXX XXXX Mortgage and then my loan was sold to XXXX. The suspecious part of this is that XXXX XXXX XXXX owns LoanCare. I 've come full circle of shady feeling mortgage selling and buying. 

Anyhow, I was n't notified until 2 months after the fact that my loan had been sold to LoanCare. Fortunately they offer a grace period for such a thing. I eventually got set up through their phone system but they only offer robot voice attendants. I 've tried at least 8 times to contact them choosing various options but it does n't appear any humans work for LoanCare. I desperately want answers to my questions about PMI being paid off and can not get a hold of anyone. I 'm now trying to get answers through the parent companies.

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 05/31/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (MI).
Issue: Account opening, closing, or management

Complaint: I overdrew off my checking account at a bank about 4 years ago, and they went through the proper channels and had me garnished from my work, approximately one year after. The full amount that was due was taken.Courts sent me notice that the garnishment was finished and the amount was paid in full, yet it does not show on my credit report. Ive been trying to rebuild my credit but I unable to in certain areas dues to this misinformation. I would like it rectified, and closed please.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: WHAT DOES RACIALLY DISCRIMINATION MEAN TO A BANK / SERVICER / LENDER AND EVEN THE ATTORNEYS THAT REPRESENTS THESE AGENCIES? 
I got my mortgage loan from XXXX XXXX through a mortgage broker on XX/XX/XXXX. The loan that I agreed initially was not the terms that I signed during the closing. But before I signed the document, I called to the mortgage broker to get him to correct the errors. But the broker assured me that due to time restrain, we should proceed to closing and get he would get the pre-payment penalty restriction to be removed and Interest-Only changed. After closing I called several times but to no availed. Meanwhile I was still making my pay and hoping that the error would be corrected ; but to my surprise from the Servicer at that time ( XXXX XXXX XXXX ), I could not refinanced the loan without paying for the prepaid penalty. 
On XX/XX/XXXX, since XXXX XXXX XXXX was handling the file, I decided to request for the Beneficiary of my house Note. These requests continued until XX/XX/XXXX, when XXXX produced a fake name of a Beneficiary ( XXXX ) and address of which a certified mail was returned undelivered. 
On XX/XX/XXXX, the Servicing of my loan was transferred to Ocwen Loan Servicing. I continued to request the same Note Holder 's information and the title information, but always receiving partial documentation ; hoping that I would stop my requests. 
On XX/XX/XXXX, Ocwen handed my file to XXXX XXXX XXXX XXXX XXXX for trustee sale. I tried to contact the trustee by both telephone and a fax within 20 days of Notice of XXXX to talk to them, but they refused to answer my correspondence. 
On XXXX XXXX while the trustee was preparing to auction the house, I found a House Bill Report XXXX XXXX which proof that I was within my legal right to request all the documentations and also meeting to resolve the issue before even the Notice of Default could be issued. Even though, the Trustee stop the foreclosure for the " meet and confer '', it was for a short time. It was my understanding that Notice of Default could not be issued until " meet and confer '' had been satisfied. But, Ocwen Loan Servicing and XXXX XXXX XXXX XXXX had teamed up and turned a deaf ears on my requests since I 'm XXXX and having a house in a most sought for in a XXXX XXXX XXXX, had blindly ignore the law and continue to harass me with their premature foreclosure notices.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Unnecessarily corporate fees. 
Nation Star Mortgage charges me for Attorney fees, and many other fees while my house was under contract for sale. In all the fees are total nearly {$7000.00}, and I gave Nation Star Mortgage the opportunity to resolved the matter ; however, I kept running to a wall. The property was closed on XXXX XXXX 2015, and did not go to Foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
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: I submitted documentation to the credit bureaus on an old account that I did not remove. I am XXXX XXXX XXXX and it looks like I have barely had any credit at all. 

The Credit Union also contacted the credit bureaus and nothing has been done since XXXX! 

I requested that it be resubmitted asap to no avail

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 11/21/2016 about Payday loan () with Big Picture Loans, LLC (OH).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a short-term loan on XXXX/XXXX/16 and at the time of the loan I did not notice that the annual percentage rate is 607.3385 % and my total finance charge would equal {$3800.00}. My loan amount was only for a total of {$750.00}. I have had a total of XXXX payments of {$180.00} come out of my checking account. My payments are also made on a bi-weekly basis. I also found out that my {$750.00} loan will come out to be a total of {$4500.00}. After doing a bit of research, I found out that the annual percentage rate on this loan is much higher than the allowed annual percentage rate allowed to be charged to an individual. I was not aware of this until I began to do further research on this particular loan. I began to research this loan after I was attempting to get onto the Big Picture Loans website to see what I could do about making a late payment on my loan. My loan shows that it is through Big Picture Loan, LLC but is licensed through XXXX XXXX XXXX XXXX XXXX XXXX, an independent regulatory body of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and is operating pursuant to Tribal Law. I was not aware of the stipulations that are set forth for loan companies until now and I feel that this loan company has taken advantage of my needs by exposing me to an annual percentage rate that is astronomically over the allowed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Taking out the loan or lease

Complaint: I moved to XXXX from XXXX. Someone was using my credit here in XXXX. My sister has the same name but I do n't know her social. I have so many outstanding loans but I have n't had a bank account since 2000

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I wrote a letter about a Frudlent account that says I 'm a Authorized User, I never gave permission to anyone to add me to any account. I have asked Equifax to remove and they have not. I have written XXXX letters The XXXX companies that have me as Authorized Users Are 1.XXXX XXXX ( Authorized User ) Fraud 2.XXXX ( Authorized User ) Fraud 3. XXXX XXXX ( Authorized User ) Fraud I NEVER GAVE PERMISSION TO BE ADDED TO ANYONE ACCOUNT I ALSO WAS LIVING OUT OF THE COUNTRY FOR OVER # YRS WHEN THIS HAPPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   XXXX    (  XXXX   ) ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX   CA  XXXX , has just informed me, by letter dated    XX/XX/XXXX   , that my APR is to be raised, based on alleged " Serious Delinquency '' and " Amount past due on accounts. ''  XXXX  relied on an egregiously wrong  credit score  of  XXXX  by Experian. I have an unblemished record of payments to  XXXX   XXXX ,  XXXX   XXXX , since   XX/XX/XXXX   -- a half century ago ! Ibid.  wit h Visa and Mastercard.  I have never been refused a loan of any kind, including  1. a     XXXX   mor tgage loan on the purchase of our home. Payment of the mortgage is automatically made to  XXXX  from my  XXXX  checking account, an d 2.  a   XXXX   XXXX   XXXX   mortgage loan on a rental property which payment is also paid monthly automatically with funds drawn from my  XXXX  checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Good day. My mortgage was transferred over to Seterus. I began making my first payment XXXX XXXX. Since that time it has been one problem after another with the financials on my loan. Attached is the complaint letter I sent to XXXX. Since that time nothing has been resolved,. My on line statement tells me one amount due but the statements I receive in the mail give another amount due. I have been speaking with several reps from Sterus and also XXXX from XXXX and nothing seems to change. In the midst of all of these problems I find out that my mortgage payment has went back down to the original amount quoted due to a miscalculation /oversight on Seterus end. I feel as though in the midst of the complaint letter and ALL of the calls, someone from Seterus should have reached out to me by now to assist with this problem to be sure that I am receiving the correct information on my payments. It 's very concerning and frightening to deal with a company who is having difficulty in maintaining my financials on my mortgage payments. XXXX rep tells me they are satisfied with all that has been done but nothing has been done to correct the problems with my account. I have already been through a bad experience once before with XXXX and a loan modification which caused me more problems than good. I just want this resolved and I want to be sure that Seterus is handling my loan the way it should be. At this point if i could switch over loan companies I would because I have NO faith in how they are handling things.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had public record for an eviction on my record which was from XX/XX/XXXX. I was able to fight it and it was taken off my credit report back in XX/XX/XXXX. I just checked my report yesterday and found that it was added back on my report, but this time 2 1/2 times the amount that it was. the name of the creditor is XXXX XXXX XXXX From what I understand they ca n't go add it after 2 years because of Statue of Limitations. I need to have this removed since it is a violation of my rights as a consumer. It is on all XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (AZ).
Issue: Problems caused by my funds being low

Complaint: I had several items hit my account this week, I knew I would have a couple overdraft charges and was fine with that as I needed to go over and accounted for it. I did not account for XXXX overdrafts!!! I am charged almost {$200.00} in fees XXXX of which were not even putting me in overdraft, they give a bogus reason of it might have caused an overdraft and still charged me the fees but I was not negative except in the hold which also makes no sense. I should have gotten XXXX fees at the most, not XXXX!!! They always do this and it seems so unethical and wrong, how can they charge me when I had the money just for a hold?!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/22/2015 about Debt collection (I do not know) with Focus Holding Company (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never actually talked to anyone but they constantly call over and over!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent in  2 no torized certified mail and still have been ignored the following information is incorrect and I did not authorize these inquiries or account (  1  )   XXXX   XXXX    XXXX  (  2  )   XXXX   XXXX    XXXX    XXXX   XXXX     XXXX  ( 3 )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  (  4  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ( 5  )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (  6 )   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX/XXXX/XXXX spoke to an agent about inquires that where removed and placed back on they stated it was accurate which it was not called XXXX times and they kept giving me the run around. I 've sent in the proper documents and still no results.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (DC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold twice apparently, in quick succession, around XXXX XXXX. I received mail from XXXX different companies that they both now had my loan, and when I called the XXXX company, XXXX, it appeared I was not in its records, then I received a lot of mail from Fay Servicing. Fay was not up-to-date with its records in XX/XX/XXXX, so I mailed check # 1 on XXXX XXXX, XXXX to cover XX/XX/XXXX and XXXX XXXX ( {$840.00} ). Fay processed my XXXX XXXX payment by XXXX XXXX, XXXX, check # 2 ( {$420.00} + {$30000.00} additional principal ). I have a picture of the check/slip before I mailed it. My XX/XX/XXXX Fay interest/tax record came in the mail and it appeared correct ( it seemed like 3 months of interest ). I paid by phone on XXXX XXXX, XXXX ( # XXXX, # 3 payment ever to Fay ) and the recording was not giving me an accurate due date for the payment. I looked on the back of the monthly statement mailed to me and it stated a {$25000.00} principal reduction and {$5400.00} payment applied. That would mean I would have over 12 months of payments PAID IN FULL and this does not match with the XX/XX/XXXX due date that Fay keeps mailing me. This makes zero sense and does not appear to match the payment breakdown on the front of the XX/XX/XXXX monthly statement, {$29000.00} plus {$710.00} interest. All the monthly statements dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all said payment due XX/XX/XXXX. XXXX, the incompetent account manager assigned to this loan, was giving me different numbers that were in the Fay system that did not match the monthly statements numbers when I spoke to him. This was during the week ending XX/XX/XXXX. I asked for the numbers that were in the system to be mailed to me ; he refuses to call me and deal with this. He said that he would have to do the next phone payment so that it is applied correctly but he never called me so that I could make a payment. I called Fay again before I submitted my XXXX taxes XX/XX/XXXX, week ending XX/XX/XXXX, and I got another rep who said he would discuss this case with XXXX and someone would get back to me. XXXX called me at work on XX/XX/XXXX at XXXX EST, hung up, then I hit redial and got his voicemail. I left him a message but have not heard from him. I called on XX/XX/XXXX and got a rep who I asked to be transferred to XXXX 's supervisor, XXXX, and I left a voice mail. I have received a bill dated XX/XX/XXXX that I owe a {$21.00} late charge for XX/XX/XXXX and I received the latest monthly statement with a XX/XX/XXXX due date.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Credit card debt) with HOME FINANCE OF AMERICA (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: We contracted with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX on XX/XX/XXXX to update our kitchen. We financed the {$3000.00} with XXXX with 12 months same as cash. After several months, and numerous phone calls from us, nothing had been started. We call and visit XXXX often and continue to get different stories every day. They do not return calls. We got the floor installed and then again nothing. We started a dispute with XXXX XXXX XXXX in XX/XX/XXXX. We sent a letter explaining our dispute with XXXX and the project that was not received. We provided pictures of our unfinished kitchen. XXXX sent a two sentence letter stating that they thought the customer was " happy '' with the project. XXXX XXXX XXXX. sided with XXXX. From that XX/XX/XXXX letter until today we are receiving collecting calls from XXXX. We have called XXXX several times trying to escalate the dispute higher. I was told that XXXX had already paid XXXX the total amount and now it is our responsibility to pay The dispute should be between us and XXXX.

Company response to consumer: Untimely response