milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: The buyers did an appraisal with XXXX XXXX. XXXX on XXXX/XXXX/2015 and the Opinion of value was at {$96000.00}. The Investor ( XXXX ) did an appraisal and stated that the home is worth {$110000.00}. How can the appraisal be a difference of {$17000.00}. Below is the note that I received from Fannie Mae : '' The current offer does not meet the requirements being demanded by the investor. The investor is demanding XXXX with a net requirement of {$99000.00} ( see attached hud line XXXX ). The buyer appraisal is only XXXX which the buyer is willing to pay and as reflected on the hud would require a cash contribution in amount of {$16000.00} from you, see line XXXX of the hud ''.

Company response to consumer: Closed
Consumer complaint received 10/15/2015 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2015 at XXXX while making a deposit at the US Bank XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona I was not permitted to exit the bank.. The doors were closed for seconds before I requested to exit the US Bank. My information is found on the video surveillance which proves the continued harassment made against me by the US Bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Other debt) with Valentine and Kebartas, Inc. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have had several conversations with XXXX XXXX @ Valentine & Kebartas, XXXX in regards to a debt owed by XXXX XXXX/XXXX XXXX XXXX to XXXX XXXX ; the balance is {$7800.00}.
XXXX/XXXX/2017- I asked about a SIF ; XXXX offered 1X- {$5800.00}, 2X- {$6100.00}, 3X- {$6600.00}. told me absolute lowest he could go was the {$5800.00}. Told him I would have to get back to him.
XXXX/XXXX/2017-XXXX called as follow-up ; I offered 1X- {$3900.00} ( 50 % ) ; now he said he can come down to {$5400.00}, after he told me on XXXX/XXXX/2017 he could n't go any lower than {$5800.00} ( so he lied to me ). I advised to both I would not be able to afford that and would only be able to pay $ XXXX/month. XXXX 's response was that he would not be able to accept that. I responded stating I would just send that amount to either XXXX or his office, did n't matter to me because they would not refuse the money. Call ended after speaking to supervisor XXXX XXXX
XXXX/XXXX/2017-XXXX called again asking for intentions. Advised same thing as previous conversation. XXXX 's response was to ask me if we were represented by an Attorney. When I inquired why, he responded stating that this account would move further along ( implying we would be sued ) if I did n't pay exactly what he was offering. He ended call stating he would advised to move this account from his office ( not sure who he is advising ; supervisor, manager, attorney? ) Also stated he would no longer call me, but would only speak with XXXX XXXX, the owner of the company.
XXXX/XXXX/17-XXXX called ( Caller ID showed " MAP VER '' XXXX ; he is calling from MA not NY, why is this company trying to deceive me with an incorrect phone number? ) XXXX opened the conversation with what I could pay. I advised we planned to send the {$500.00} as previously discussed, but I was waiting to be contacted by an Attorney 's office like he had advised would happen on the XXXX. When I questioned him on threatening legal action, he immediately tried to retract what he said and said to just send the {$500.00} in ( which he previously told me on several occasions that he would not accept that amount ). I ended call advising I would be submitting a complaint against him and his company with the CFPB for threatening legal when there was no intention of doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed a XXXX Tax Liens out of XXXX XXXX, Arkansas ( which I havenever lived ) with XXXX and Equifax. Well, XXXX investigatedand resolved the issue but Equifax did not. They say it " IS '' me and ifI am not, I should contact them. 
This is affecting my life and I need it resolved. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Good afternoon, I have received notifications ; via phone on XXXX/XXXX/2015 @ XXXX your collection agency left a voicemail violating federal laws ( FDCPA ) I called back to see why are they disclosing information over a voicemail. 

When calling back @ XXXX I spoke with XXXX in XXXX XXXX, he started to give me my personal information like, address, last XXXX of social ( I did not he did, without even verifying who he was speaking with ) He then stated that I need to be transfer to XXXX XXXX, he then started to informed me that it was for JC penny and the amount I was due for. 

Again collecting and violating federal laws ( FDCPA ) he failed to mini-miranda me before disclosing the reason of the call. 

I then asked to speak with the supervisor ( XXXX XXXX ) to have my account closed out at a {$0.00} balance due to many federal laws being violated to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report has erroneous information about a civil judgment from the XXXX XXXX Court small claims court. The apartment complex where my son previously lived sued him for {$1600.00} and were awarded the judgment. My son and I have both the same first name, but different middle initials. I have lived at my private home address for almost XXXX years and have never co-signed for any of his credit. I believe this information was placed on my report in an effort for me to pay for his debts. The credit reporting agency has not investigated this issue thoroughly even though I have filed XXXX disputes. Each time they replied within XXXX days to reaffirm that the report remains uncorrected. A cursory investigation would easily reveal that all the personal information on file at the court and the apartment complex differs from mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2015 about Debt collection (Medical) with Alorica Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX XXXX called me being rude screaming at me and continual calling me after i told her to stop and XXXX XXXX the supervisor will not give me recorded call info so i can report the horrible and mean service no one wanted to help me after all I have made my payments on time and wanted to set another arrangement but I did have quistions to ask and that made XXXX mad all she wanted was my card info and did n't want to give help then again on XXXX she called me screaming her lungs out at me I had to hang up I refuse to be treated bad and so disrespected

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I did a medication back in XXXX on a house that was over financed. I received the new servicing provider on the loan and that loan is current. I pulled my credit report in XXXX and XXXX XXXX is reporting since XXXX that my loan has never received a payment. I have contacted by phone, email and wrote this company multiple times. I never get a response from them or any answers as to where they have been since XXXX. 

My credit report shows them as a HELOC, reporting late since XXXX XXXX XXXX XXXX. Account reports CLOSED as of XXXX XXXX and they continue to increase the balance monthly. The only credit report that shows them is Equifax. 

Please try and get me any answers or resolved issues. I have perfect credit and this is causing me not to be able to obtain any mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (TX).
Issue: Problems when you are unable to pay

Complaint: On XX/XX/2016, I received a letter from Westlake Financial through CFPB stating that they would remove the double negative from my trade line. Per the letter, it stated that it will take up to 30 to 60 days to remove the double negative.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent an investigation request to the credit bureaus on XXXX XXXX. Its been almost 60 days, and I have yet to receive my results.

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have disputed my bankruptcy and the way it is displayed multiple times by letter ( XXXX ) with TransUnion. According to the New Public Record Reporting Standards that went into effect XXXX XXXX2018, it was put into place to enhance and improve the accuracy of credit reporting information. According to the new policy, bankruptcies should display minimum identifying information as follows : minimum reporting of name, address, social security number and or date of birth. This discrepancy has a major impact to credit scoring and predictive performance because of the inaccuracies displayed by the inaccurate display of information being reported by TransUnion and they refuse to remove it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX has placed a derogatory collection on my Credit Report, which is affecting my credit. I do not have said Debt of {$2800.00} with this company. The agency has not been able to VALIDATE the debt with the proof of the original contract with original signature, payment history etc. ). A bill is not proof of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Thank you. I have no idea what XXXX or XXXX is. 
XXXX Georgia. XXXXThank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Bank account or service (Other bank product/service) with BB&T CORPORATION (WV).
Issue: Account opening, closing, or management

Complaint: *THE BELOW LETTER WAS SENT TO ME AFTER MY " BB & T. BANK '' ... .***REFUSED TO PLACE THEIR BANK SEAL ON THE BELOW : PDF : XXXX. 
PLEASE ASK THEM WHY? THEY WOULD " NOT '' VERIFY MY SIGNATURE, SO THE ''TREASURY DEPT. '' SENT THE BELOW LETTER, TO ASK ME TO GET MY SIGNATURE CERTIFIED. 
QUESTION : DOES ''BB & T. BANK '' TREAT ALL XXXX VETERANS LIKE I HAVE BEEN TREATED AT THEIR BANKS..? OR DO THEY BELIEVE THE FRAUD THAT WAS COMMITTED AGAINST ME..? WHILE I WAS LIVING IN XXXX OVER THE LAST FIVE-YEARS..? 

ALSO ASK " BB & T. BANK '' WHY..? THEY REFUSED TO PLACE MY NAME AS A CO-OWNER OF MY WIFE 'S SAVINGS ACCOUNT ... .. ( despite us having a JOINT CHECKING ACCOUNT together..? 
ALSO ''BB & T. BANK '' REFUSED TO HONOR MY REQUEST WITHOUT TELLING ME ANYTHING..? AS TO WHY..? THEY DID ''NOT '' HAVE ENOUGH RESPECT TO NOTIFY ME, THAT THEY WERE ''NOT '' GOING TO LET ME OPEN A XXXX-EDUCATION SAVINGS PLAN FOR MY XXXX OLD SON. 
**THIS ALL GOES BACK TO THE FRAUD THAT HAS BEEN COMMITTED AGAINST ME, ON ALL XXXX OF MY CREDIT REPORTING AGENCIES .... ( WHICH HAVE BEEN TAKEN OFF OF AT LEAST XXXX OF THE CREDIT AGENCIES ), like I requested. 

The Account Authorization ( PD F XXXX ) submitted is unacceptable as the form was certified. Therefore, we must ask that you submit a new form with your signature properly certified. 
Please note that the form 's instructions to the certifying officer state, " Acceptable certifications include the financial institution 's official seal or stamp ( such as corporate seal, signature guarantee stamp, or medallion stamp ). '' Notary public stamps are unacceptable. Please have the bank place their official seal on the form to certify your signature. If the financial institution does not have an official seal or stamp to use when they certify a signature, they may use the savings bond paid stamp that they normally use when cashing savings bonds for a bond owner. We may accept : Acceptable Certifications : *Signature/Endorsement Guarantee Stamp*Medallion Stamp*Official Bank Seal/Stamp*Corporate Seal*Consular Seal*A commissioned or warrant officer of the United States Armed Forces may certify the signature. 
If there is any further questions you can have your bank contact our office. 
Thank You, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XXXX XXXX, XXXX I sent a Certified Letter to the Credit Reporting Agencies for the removal of a Bankruptcy that is listed on my account. The report came back " verified '' However per the New Rule from the XXXX ( XXXX XXXX XXXX XXXX ) Beginning XXXX XXXX, XXXX public record data collected for credit reporting purposes, including bankruptcies, civil judgements and tax lien, must contain minimum identifying information and be collected at more frequent intervals as follows : XXXX ) Minimum reporting of : ( XXXX ) Name ( XXXX ) Address ( XXXX ) Social Security Number and/or date of birth ; and XXXX ) Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 

I had a security freeze placed on my account with XXXX, and I spoke to XXXX and asked them if my information had been released to the Credit Bureau 's after I place a security freeze on my account. A representative by the name of XXXX with XXXX XXXX XXXX XXXX informed me that once a security freeze is placed, no information is given without my consent. 

It is my belief that the Credit Bureau 's are engaging in dishonest and deceptive practices by stating they obtained information when they have not. I do n't feel as though they have investigated this properly and truthfully.

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 05/17/2016 about Debt collection (Credit card) with First National Collection Bureau, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Below is a copy of a letter I sent : To Whom It May Concern : I am writing this letter to dispute the above-referenced accounts with your agency. I am disputing this debt due to the fact that it is NOT MY DEBT. I am requesting that you provide me with debt validation and a contract with my signature on it as well as a FULL ACCOUNT HISTORY and itemization of all charges. Furthermore, please provide proof that you have the legal right to collect this debt as well as proof that you are licensed to do debt collections in both your state and mine ( PA ). Please cease any phone contact with me -- all of your correspondence must be in writing via my address listed below. On XXXX XXXX, 2016 I mistakenly paid off XXXX of these fraudulent accounts not knowing that I was being deceived. I expect FULL REFUND of the amounts totaling {$230.00}. I have attached proof that these funds have been deducted from my account by your agency ( which is admissible in a court of law ). Please be advised that if I do not receive a full refund within 30 days of the date listed above, these damages suffered by your agency due to frivolous and illegal collections actions will be recovered via lawsuit. Additionally, I have filed complaints with the Consumer Financial Protection Bureau, the XXXX and other government agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (NM).
Issue: Credit decision / Underwriting

Complaint: In the process of refinancing my house with suntrust mortgage company I was providing all the documents required and following all their instructions to have my house refinanced. The whole time I was being led to believe that everything was on track. during this time I was told that I need an appraisal on my house and that cost XXXX. Everything is on track I believe. I would call suntrust to follow up on the progress of my refinance and was told that paperwork was being processed. Approximately two weeks after the appraisal someone from suntrust called me and said that I was denied to refinance my house because my income to debt ratio was to close. I had never spoken with this person during my refinance process and he could not answer any of my questions. I called the agent I was working with and had to leave several messages before he would return my calls. When he finally called me back I explained to him that they should have known I was approved before they took my money. I have spoke with other lenders who said they should have never taken my money until they knew the deal was going through. My agent at suntrust assured me that the money would be refunded to me within seven to ten business days. It 's been over two months now waiting for my refund. Every time I call suntrust I get an assurance that the money is on its way. I have been very patient but I feel like their giving me the run around. The last time I called he told me that the appraiser is sending me the money but I have yet to see a check in the mail. I spent almost XXXX with no service provided. I think it 's wrong, illegal and very dishonest what they are doing and how they handle their business. I would like my money back so I can use that to go a different route in refinancing my home. During the process there was never a change in my income or credit. They had all the proper paperwork with my income/debt. With that information with them they should have been able to determine weather or not my refinance was going to go through before they charged me for the appraisal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/22/2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: First time they called I answered no one was there and they hung up on me. Now they call twice a day. I do n't answer the phone since I did not know who they are. Upon looking the number up it is from XXXX XXXX XXXX, a supposed debt collection service, that has numerous complaints as a scumbag company. I do not owe anyone money, therefore they have no reason to call. Please put these dirtbags in Jail!

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I wanted to add my original contract to my complaint. Showing my payments were XXXX no taxes and no ins. 
We took out an earthquake loan with XXXX. After several years turned it over to ALS. Who after several more years turned it over to Nationstar. The loan did not include Insurance and taxes. My XXXX Mtg holder paid that. XXXX was a XXXX loan. Everything was fine until Nationstar took it over and opened up an escrow. I kept telling them someone else paid taxes and ins. but it did n't matter. About the same month they took over I completed a form so they would not pay insurance and taxes. I faxed it back the same day I got the form in XX/XX/XXXX the same month they started receiving my payments. Then I faxed it again. Then some time later I faxed it a third time. Each time I faxed it I had to send them the orginal with my signature on it. They said they would not just go with a fax. I told them again and again that XXXX was my payment that cover principal and interest. They insisted opening an escrow account, takeing part of my payment, part of the XXXX and placeing into an escrow acct. This would leave my payment short and they then said I did n't make the payment. This went on for 3 years. They kept telling me I was late and payments were due. All along I paid the whole XXXX and no payments were late. They added late payments onto my account. They told me I had to pay XXXX which I did above and beyond my payments. Then I paid more money above and beyond my payments, which I did. Then the company wrote me a check, then again, and again. I guess they found out I was not supose to have the taxes and insurance taken out and started refunding the money in my escrow acct. Instead of putting the back with my payments. All along telling me I was not makeing my payments. I sent them back XXXX checks in the same amount of the checks they sent to me. I called and explained. what the checks were for. They still have me late on my payments of over {$1500.00}. No one of any importance will talk to me ( anyone that could correct the problem ) Everytime I telephone I get a different person, they are on a rotory line. This problem will never be corrected. I 'm trying to get it corrected so I can refiance with the people I bank with. They said as soon as I get my credit score up they will refinance. They say they know all my payments were made and on time because I made the payments thru them. But they said they cant turn in a payment application until my credit score is raised. My credit score will not go up until Nationstar corrects the problem they caused. I can reduce my interest rate but not until Nationstar corrects the problem. I will attemp to attach the documents, Im not real good on the computer. My payment is XXXX but my recent payment coupon said {$3000.00} is due.

Company response to consumer: Closed with explanation