milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (VA).
Issue: Trouble during payment process

Complaint: I had my FHA mortgage with XXXX XXXX XXXX for 7 years, I autopaid my mortgage and was never late with a payment. My housing costs were 20 % of my income and I had no financial hardships or issues with my mortgage. 

In XXXX XXXX I received a notice that my mortgage was being transferred to LoanCare , LLC XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) and that I would get a bill from them the following month, I did, I paid it by check and called to set up an auto-payment, I could not get through to anyone, I called dozens and dozens of times, it is an endless loop of automated phone messages. If you stay on for the full hour plus to get through all the prompts and ask to talk to a customer service representative, you get a recording to send them a written note by mail. 

They made it impossible to pay my bill, then after one month I started getting notices in XXXXnglish and Spanish that I was going to lose my house if I did n't pay, and started getting XXXX packages with notices to refinance with them ( I did not need to refinance and it would have not been financially advantageous for me to refinance ), if I called the number on their predatory lending arm, a person immediately answered, but said they could not help process my mortgage payments and had no way of communicating with their loan servicing arm. 

I ultimately had to pay for a lawyer to just get them to process my payment. I was moving in with my new husband and wanted to keep my townhouse as a rental and build my assets but they were so horrible I decided to sell then continue to fight with them. 

I felt like I had to register a complaint, I have sold my house but the reviews of this company are terrible - thousands of people have posted online that they have tried to take their homes or have taken their homes. I was lucky enough to be educated and have resources to protect myself, but many do not, this company is making it logistically impossible for working class people to pay their mortgages and then they are stealing their homes acting as if people failed to pay. They need to be taken to court, and possibly be held criminally liable. This is beyond bad business practices.

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 04/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX, we incurred a financial obligation when we purchased our home located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX for the amount of {$400000.00}. The loan was evidenced by a Security Deed, '' naming Freedom XXXX as the " Lender '' and XXXX XXXX XXXX XXXX , XXXX ( " XXXX '' ) as the " grantee, '' or beneficiary, of record acting solely as nominee for same.Sometime thereafter, a company named XXXX XXXX XXXX XXXX to service our XXXX began to experience financial difficulty and had problems meeting our monthly loan obligation. As a result, on XXXX XXXX, XXXX, entered into a " Forbearance Agreement ' with XXXX XXXX XXXX whereby we agreed to make monthly installments in the amount of {$2500.00} starting XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. We began making the payments as agreed ; however, after making our several payments, we received notice of assignment from XXXX XXXX XXXX advising that XXXX XXXX XXXX XXXX , XXXX would now take over our loan.We contacted XXXX XXXX XXXX XXXX , XXXX in effort to continue our " Forbearance Agreement '' payments but XXXX XXXX XXXX XXXX XXXX XXXX refused to honor the agreement and began to send us letters threatening foreclosure. Thereafter, on XXXX XXXX, XXXX, a subsequent assignment was performed by XXXX transferring the security deed to U. S. Bank XXXX XXXX. Then on XXXX XXXX, XXXX, MERS performed another assignment to XXXX XXXX, XXXX. The assignment to XXXX XXXX, XXXX is the last and final assignment in the record. U.S.Bank National Association XXXX XXXX, XXXX would honor the above mentioned forbearance agreement and have absolutely refused to give us a loan modification. On or about XXXX XXXX, XXXX, we forwarded to U.S. Bank a Qualified Written Requests ( QWRs ) requesting that U.S. Bank provide, us with ( 1 ) A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied ; ( 2 ) A complete and itemized statement of all advances or charges against this account ; and ( 3 ) A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter. ) We have reason to believe that our loan account had been improperly serviced in that credits for payments made by us had not been applied to our mortgage loan account and that we would not have been in default if we had received all credits for the money we had paid on our mortgage loan account. U. S. Bank National Association did not respond to the QWR, took no responsive action and undertook no investigation into the issue raised by the QWR. Despite all of our efforts to get a loan modification, on XXXX XXXX, XXXX U. S. Bank National Association foreclosed our home.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Mortgage (Conventional home mortgage) with Supreme Lending (TX).
Issue: Closing on a mortgage

Complaint: XXXX 2017 we decided to take out a new home loan with Supreme Lending located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX, we were promised several different interest rates and finally 4 days before we closed we received documents to sign locking us into a higher rate without any explanation. The entire home buying process with this office was a disaster to include the loan processers were non-responsive at times to emails and calls up until closing date. Throughout the loan process simple things were not communicated with us such as ; exact close date & time, what additional documents needed/required, what type of loan approved for and something simple as what interest rate could we expect to be locked into. There were many clerical errors made in which held of the loan process and finally several of the staff were rude and unprofessional when they were contacted to obtain clarity.

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 01/24/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Macy 's XXXX credit card was illegally scanned at a XXXX gas station, cloned and fraudulently used in NJ. The issuing bank failed to alert me and block my card for an unauthorized activity. I found out about fraudulent activity via accessing account online. I placed a call to Macy 's Fraud Department on XXXX/XXXX/XXXX to report fraudulent activity. Thereafter, I promptly filed a Statement of Fraud, which Macy 's received on XXXX/XXXX/XXXX. I followed up with a call to Macy 's on XXXX/XXXX/XXXX for the claim 's status update. A representative declined to provide any information, and refused to remove unauthorized charges from my account. As of XXXX/XXXX/XXXX, {$630.00} plus accrued interest show on my statement without any acknowledgment by Macy 's, nor claim 's status update.

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 12/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage through XXXX XXXX which I had been paying on for several years. Recently they sold my mortgage to Nationstar Mortgage. When I got my statement it showed where they are charging me the legal fees for their transaction of purchasing the mortgage. They are charging me for a title search and numerous other fees which are just labeled " legal fees '' and the total comes out to {$3000.00}. I have made two payments to this company since they purchased my mortgage of {$500.00} each, however they only applied {$400.00} of it to my principal and interest and applied the other {$590.00} to these legal fees. The remainder of the legal fees has been rolled into my principal. My complaint is that I do n't see how this can be legal to make me pay legal fees and title search fees for something I did not apply for, ask for, nor give consent for. I do not see how it is legal for them to charge me closing fees for buying my mortgage when I did not ask or apply for a refinance or anything. I was not behind on mortgage payments to XXXX and actually pay extra principal with each payment. I can not fathom that it is legal nor proper for these mortgage companies to charge me legal fees and closing costs for a mortgage that I did not apply for. Please get back to me soon because they have already ripped my off for almost {$600.00} for these fees which I did not ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was a workman 's comp issue from XXXX coffee company. I got a XXXX while working from the sanitizer solution used to clean dishes. The XXXX turned into a XXXX XXXX, which then brought me to the emergency room. During my hospital visit I shared this information with the billing departement, there was a claim placed with XXXX and the responsibility for payment was theirs. The Doctor portion of the bill was paid for by XXXX with no issue, however the hospital billing department sent me the bill for the hospital stay portion. I informed them on more than one occasion that this bill was to be paid for by XXXX and informed them to contact the company to receive payment. Almost a year later the debt from my workman 's comp hospital bill was falsely reported on my credit.

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 08/18/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was cosigning for my son 's college loan and was declined. My credit score has between XXXX for 20 years. requested a credit report & found XXXX delinquent payments to XXXX. Have n't been with XXXX for two years switched to XXXX. When I called XXXX they said it was for an address in Ohio. My inlaws who were part of my friends and family network. They switched to XXXX 4 months ago and have problems getting XXXX to close their account. evidently the account went to collection. I was never contact by the collections company. My sister inlaw has been trying to get a copy of the bill but the collections company does n't have access, finally yesterday XXXX/XXXX/XXXX I called XXXX with her account number and they said they would send her a bill. She received it electronically and paid it and said she would work with XXXX to get reimbursed. For at least 15 years my inlaws had XXXX i had no idea I was anything more than part of the friends and family network. I called the collections agency who said they never sent anything to my address since that wasnt ' the address for the account. When I gave the account number to XXXX XXXX at XXXX collection she said the account had been paid in full and she gave me XXXX approval codes. She advised me to contact XXXX Recovery Dept. and give them these approval codes ( XXXX and XXXX ). Sue told me she could n't take the delinquencies off of my credit report but that verizon could do it. I 've spent more than 4 hours speaking with various people or waiting on hold with verizon. The last women XXXX while very apologetic said there is nothing she can do. she said that these would stay on my credit report until XXXX which I told her was ridiculous. I 'm contacting you asking for help, please look at my credit report you 'll see that i 've always paid my bills ontime and have had good credit. I 'm not sure if this is the right approach but am just looking for help. 
Thanks you for helping me. 
Regards, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Negotiation Credit Services, LLC (WA).
Issue: Fraud or scam

Complaint: I signed up with Negotiation credit services for Debt consolidation credit counseling services, I had sent them over XXXX toward my creditors. I had got this email, Hope all is well. We are reaching out to you and all of our clients to let them know that as of XX/XX/2017, Negotiation Credit Services has merged with XXXX XXXX. We have been attempting to contact you for at least 3 weeks, its very imperative that you give us a call back at XXXX, so that we may give you more information regarding this recent change and added benefits this merger can provide. We look forward to speaking with you soon. Have a great day. 

With Regards, XXXX XXXX I had contacted them they had another person contact me from XXXX, saying that they were now handling my account, that I would be receiving a check in the mail for my XXXX and that I was to deposit in my account and then they would be taking that amount out again, they also had been taking the amount of XXXX per month. In may I receive a call from a lawyer claiming that this company had been seized and all companies associated with this company were now in the hands of bankruptcy and fraud. I have lost my XXXX that I had paid into that company and I want that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Dispute of payment for one month with XXXX XXXX XX/XX/XXXX. Amount of lease {$420.00} was withddrawn from my account XX/XX/XXXX and never credited. 
XXXX XXXX refused to acknowledge my claim and considered the account delinquent from XX/XX/XXXX to present day, XX/XX/XXXX. 
I attempted to resolve the issue numerous times to no avail. XXXX XXXX has ruined my credit and refuses to lease another vehicle to me based on the low credit score I now have due to their negative reporting to various credit agencies. 
Now XXXX XXXX is holding me hostage to buy the vehicle at a non negotiatable price.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: This debt was a result of medical services with the original creditor, XXXX XXXX XXXX. After application and review by the original creditor ( XXXX XXXX XXXX ) it was determined that I was not the responsible paying party and had no liability for this debt and as such it was paid by Insurance or other Government Agency and therefore as I had no obligation for this debt so no collection would exist. 

According to my records, the original creditor recalled this debt from collection agency with instructions to close the account in the collectors office and to remove any item that had been placed on any credit reports. Instead they just closed it and continue to report it on my credit report. it should be removed and not merely updated as a Paid Collection. 

On XX/XX/2018, I mailed to XXXX XXXX XXXX a letter ( attached ) in which I disputed this account and requested that it be removed from my consumer credit reports that they had reported to. I never received a response from this company. 

On XX/XX/2018 I initiated a direct dispute with TransUnion requesting that this item be removed as it was paid by INSURANCE directly to the Original Creditor. 
TransUnion responded that the collection Agency XXXX XXXX had verified this account as being reported true and accurate and so it would remain. 

It is my belief that neither party did a meaningful and complete investigation into this matter because if they did they would have removed this false, inaccurate and misleading account as I was not the responsible paying party. 

As this was paid by Insurance or other government agency directly to the original creditor and the original creditor has determined I am not the responsible paying party this should be deleted from my Consumer Credit report and not just updated to show a paid collection. 

In addition after my dispute directly with TransUnion, the furnisher of this information XXXX XXXX went in and done an update to my credit report and marked it as a closed derogatory account and changed the close date to reflect XX/XX/2018 in order to make this account look like a new closed collection in a further attempt to damage my credit rating and cause me to suffer financial losses by having to pay higher interest rates. I want this removed from all credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Consumer Loan (Vehicle lease) with TD BANK US HOLDING COMPANY (MA).
Issue: Problems when you are unable to pay

Complaint: I am filing this complaint against TD Auto Finance regarding a TD Auto Finance account that was charged off. I originally filed a dispute with Equifax regarding the date of first deliquency that was inaccurate on my XXXX credit file in XXXX XXXX. I disputed this 3 times with XXXX. The first results came back from charged off to " Pays as agreed ''. Confirmation # XXXX. It actually states date of last payment in XXXX XXXX. I disputed again requesting the date of first deliquency and the results came back as charged off again. I then called TD Auto Finance myself and they told me they are unable to tell me the date of first deliquency because their records do not go that far back. I again disputed with XXXX and the results returned back to " Pays as agreed ''. I looked at my XXXX credit report almost two weeks ago and XXXX has now reinserted charge off status. They never informed me in writing of the reinsertion. Now on my XXXX file this account shows in the 81 month payment history that the account was charged off XX/XX/XXXX, it clearly shows in the payment history that in XXXX XXXX there is a 60 day late. The line item section of the report states date of first deliquency was XXXX XXXX, but charged off XXXX XXXX. Makes no sense and is inaccurate. I called TD AUTO a second time and refused to help me. XXXX is blaming TD Auto even though it 's clear the information is inaccurate and refuses to delete even though it has passed time to fall off the reporting. XXXX reinserted a charge off status and never informed me of doing so. XXXX and TD Auto must delete this from XXXX immediately. See attahment regarding this very serious issue. In conclusion The date of first deliquency is infact in XXXX XXXX and was actually charged off XXXX XXXX ( See Attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Struggling to pay your loan

Complaint: These alleged actions violate the Fair Debt Collection Practices Act ( FDCPA ), which is enforced by the FTC. By law, debt collectors may not : call you before XXXX XXXX or after XXXX XXXX. contact you at work if youve told them verbally or in writing that your employer doesnt allow you to get such calls in the workplace contact a third party, such as a friend or non-spouse family member, about you for any reason other than getting your contact information harass or abuse you or anyone else they contact about you lie about the amount you owe use deceptive methods to collect a debt from you. For example, they may not : claim to be law enforcement officers claim that youll be arrested if you dont pay your debt threaten to seize, garnish, attach or sell your property or your wages unless they are permitted by law to do it and intend to do so give false credit information about you to anyone, including a credit reporting company use a fake company name Ok so now we know the laws on XXXX XXXX XXXX I received a call at XXXX XXXX I was contacted by Tower Loan of XXXX, MO on XXXX XXXX and was asked why I was late on my payment So then I told them I 've entered into Chapter XXXX Bankruptcy and was told by my Lawyer to give them Her Contact Information and I was then Transferred to the Manager there he immediately told me to give him a time to come pick up the collateral against the loan I have with them. I told him there not getting the Collateral I 'm Filing Chapter XXXX Bankruptcy and attained a Lawyer to contact her. The Manager got verbally load and unreasonable telling me to hand over the collateral that Bankruptcy does n't matter that is there Stuff. I got load with them and hung up.

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 06/29/2017 about Payday loan, title loan, or personal loan (Installment loan) with Conn's, Inc. (TX).
Issue: Charged fees or interest you didn't expect

Complaint: I was told if i make payments of {$420.00} Per month for 12 months during the 0 % introductory cash price i would pay off the loan. I maintained my payment to pay off the loan at the cash price, Including making the final payment on the loan the last month before the 12 months was off. I should have received the loan as paid off by now. Instead Conn 's is trying to charge me the interests rate now, late fees and says i own an addition XXXX $ Which is not true. <P/>When i call Conn 's credit they told me i did make the payment in time, but that it was sent back and i paid too late after that so they wo n't honor the cash price now. That is n't true i did make the payment and it was received and not sent back. <P/>Therefore i should n't have all these late payments on my credit and the loan should be payed off. ( Paid in Full )

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company mistakenly tagged my account to a " Promotion '' that I did n't initiate nor did I approve. The " Promotion '' changed the terms of my mortgage contract which inadvertently increased my monthly payment. I 've made several attempts over a 6 month period to get the issue resolved. Unfortunately, the mortgage company has spun me into a bureaucratic circle repeatedly and the issue still is n't resolved. The mortgage companies failure to resolve the issue in a timely manner led to another series of events and issues with the main issue being that Escrow was added, home owners insurance was added and taxes were added. These are items that I 've historically took care of myself from separate accounts that are detached from my mortgage for the last 10 years.

Company response to consumer: Closed with explanation