milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Struggling to pay mortgage

Complaint: Case # XXXX, XXXX XXXX XXXX Sold to Nationstar Mortgage DBA XXXX XXXX XXXX. 
Plaintiff Attorney : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX I am a victim of fraud and deception on my primary mortgage loan. My lender misrepresented the terms and conditions of the loan. My loan as to my understanding was with XXXX XXXX XXXX for my reverse mortgage. They failed to notify me to confirm the occupancy of my home and made a decision to declare it as vacant/abandoned which was inaccurate. I am filing a complaint to have this investigated immediately to avoid losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Payday loan () with ACE CASH EXPRESS, INC. (ME).
Issue: Charged bank acct wrong day or amt

Complaint: I received a call from Ace Cash checking a few days before the XXXX of XXXX stating that Maine law prohibits them from doing the loans anymore The lady stated that I had to pay my loan amount by XXXX XXXX and threatened me with collection before I was even do. I stated that I was only expecting to pay the XXXX and that I have a new job and I would n't receive a paycheck until XXXX. The lady on the phone told me to make sure i reached out to therm and that it will go on my credit report. She also told me that she would n't have a job because her and her coworkers had been laid off. I Received an automatic bank draft of XXXX on XXXX and when I tryed to call and resolve the female offered me no resolution and stated I signed a document and the could do it when they wanted to. I had no choice but to stop payment and close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IN).
Issue: Loan modification,collection,foreclosure

Complaint: I was on wells Fargo mortgage assistance program for one year and at the begining of the program I was 3 months behind on payments By the end of the year I was 5 months behind and I made every payment and now they are foreclosing I have proof of making every payment during that year. But they still say I 'm 5 months behind. Is n't this a predatory loan?

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 09-10-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Harassment, unnecessary calling, threats of foreclosure, rude phone conversations, all regarding mortgage payment or late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2016 about Debt collection (Medical) with Alliance Collection Agencies, Inc. (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I visited a clinic run by XXXX XXXX in XXXX XXXX. I paid in cash for a throat culture. At the time I was living in XXXX. 
In XXXX XXXX I moved to the US and continued to use XXXX XXXX in XXXX for several things, paying in full with their online system. 
In XXXX XXXX I was moved back to XXXX by my company. I called XXXX and ensured all bills were paid. Everything was ok. 
In XXXX I received a bill for the visit in XXXX XXXX. I called to dispute it. In XXXX XXXX they turned it over to a collection agency. When I called this time they said they had been trying to collect since XXXX XXXX. When I proved further the lady on the phone said that the throat culture test I had did n't even cost this much and she would look into it. She never came back to me. I followed up in writing using their online system. They said they do n't have a record and as I did n't save the receipt ( from nearly 2 years ago ) I needed to pay. 
I followed up again with them and the collection agency to discuss in XXXX. Neither had record of the bill. 
Now in XXXX XXXX I am being contacted by another collection agency to pay this 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 with explanation
Consumer complaint received 07/26/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (UT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have not lived with my parents for over 20 years and they called my father at his work. I have had so many letters and calls from these people over the years XXXX and I find it hard to deal with. The company Portfolio Recovery has 4 collections on me totaling almost {$2500.00}. In the past I have tried to call and they are not willing to work with any type of payment plan for someone on foodstamps with low income. I have no idea what companies or debts they represent. They fill up my credit report and make it hard to find a home, job, school loans.The continuous letters and harassment have led me to feel consumed with fear, worry and anxiety. I tried to buy a home recently and was crushed to find out my credit score. I am a person with XXXX and the hits on my credit and all the continuous harassment mail and calls XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Debt collection (Other debt) with First Advantage LNS Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I need help, there is a collection company NCAC trying to collect a debt that was included in my bankruptcy and listing on my credit file that I owe. Requesting payment and stating they will remove. They are even texting me which I never authorized to send me text messages. I feel this company is violating my rights. Please help I have disputed this and no outcome just collection text messages and false listing on my credit file. Do I need to contact a legal firm for help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Bank account or service (Checking account) with PROSPERITY BANCSHARES, INC. (TX).
Issue: Deposits and withdrawals

Complaint: A person of different name used checks of a stolen routing number and account number. ( check from XXXX used routing number and account number from Prosperity Bank ) to withdraw {$1500.00} from Prosperity Bank customer without his knowledge. Prosperity Bank will not reimburse account for stolen money withdrawn from his account. This is a commercial account and is not reconciled each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
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 several times to  XXXX  and Experian over incorrect dates used on credit report collection accounts  XXXX  accounts reported and  XXXX  wrong dates these are from healthcare related issues with daughter in  XXXX . Extremely upset as only accounts in collection and due to healthcare and I had credit insurance to make payments in absence of income and inability to keep income. They have brought my score down by reporting them from  XXXX ,  XXXX  and they are all  over 4 years old.

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 02-09-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2015 XXXX XXXX XXXX contacted me to pay on a debt. I was told to pay XXXX over the phone, so my account would not be sold to collections, so I gave them my check account number to take XXXX And they did. Then I received a letter stating that my account was sold to Midland Credit on XXXX/XXXX/2015 Now XXXX XXXX has no record of the transaction that was taken from my bank account. And my balance with Midland Credit does not reflect on my account. However my checking account shows that the XXXX dollars was taken by XXXX XXXX before the account was sold to Midland credit on XXXX/XXXX/2015. My complaint is that the money was never posted on my account, but yet it was cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BB&T CORPORATION (MD).
Issue: Closing on a mortgage

Complaint: I took out a HELOC from BB & T Bank on XX/XX/XXXX and was paid off on XX/XX/XXXX. My settlement attorney returned the original recorded Deed of Trust. Maryland Land Record still shows this loan is outstanding. MD Land records office asked me to contact BB & T and get a Certificate of Satisfaction so that their lien can be removed. 

Went to BB & T Bank 's XXXX XXXX  Branch in  XXXX, MD twice to obtain a Certificate of Satisfaction, first time they issued a Letter indicating that loan has been paid off. Took it to MD Land Records office, they did not accept it as this was not a Certificate of Satisfation. Went again to the branch, spent over an hour with little success. They failed to give the Certificate of Satisfaction. 

Need your help in getting appropriate paperwork to file with the State. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following accounts and credit hard inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent, not mine and dont belong to me : XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$780.00}, XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$520.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening telephone calls of profane language, XXXX threats, threats of legal action, being arrested and going to jail and prison from XXXX XXXX XXXX representatives for over 1 year for the fraudulent XXXX XXXX XXXX credit card accounts. XXXX XXXX XXXX is in clear violation of The Fair Debt Collection Practices Act ( FDCPA ). The XXXX XXXX XXXX   credit card accounts and credit hard inquiries are all fraudulent, unauthorized and dont belong to me.

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 01-11-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Billing disputes

Complaint: I have submitted documentation to the credit bureau requesting that they validate this account that they claim belongs to me, with three attempts made on my behalf they have yet to submit an actual contract made between my self and Bank of America, Bank Of America has yet to show my any information with my name address or social security and something with my valid signature attached. they have updated my credit information with out any verification from me and with out authorization

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 05-01-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo servicer of my mortgage invested by XXXX continue denying a fair review of my Request for a Loan Modification submmited basis on the " supposed '' fact that my mortgage is affordable, when is NOT. WF did not consider on affordability calculations, property tax payments ( do it by myself ), home insurance ( do it by myself ), HOA and Cluster ( both do it by myself ) as part of housing cost. When I include total housing cost my back to debt ratio is more than XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (GA).
Issue: Application, originator, mortgage broker

Complaint: Trying to get an updated payoff from Sterus on my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My 2014 XXXX that was issued by Bank of America indicated {$6200.00} collected as mortgage interest over a 6 month period as the property was sold in XXXX of 2014. This seems to be accurate and is the average that was collected over the last 3 years. However ; Bank of America also indicated {$19000.00} as a refund of overpaid interest which was not refunded to me as the borrower. I was originally told by a Bank of America representative that I would receive a check in that amount. After several months and repeated phone calls, I was told that I would not be refunded this amount since I requested and was approved for a loan modification. Also, that this is a normal practice and that Bank of America always applied overages as refunds, but does not issue these funds to the borrower. My loan modification lasted almost 3 years and I always paid as agreed on the first of the month, while they continued to mail foreclosure letters and constantly called threatening foreclosure. I was also told that I would need to pay taxes on the {$19000.00}. Is it legal for a mortgage company to collect {$26000.00} in interest over a 6 month period? I have tried to resolve the issue directly and requested the refund, but with no resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Payday loan, title loan, or personal loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Charged fees or interest you didn't expect

Complaint: I went into  World Finance  in  XXXX  of  XXXX  due to heavy financial need at the time. I gave the representative my information over the phone and she said she would call me back with the amount I was approved for. Abo ut two hours  later she said I was approved for  XXXX . I went into the branch to sign my documents. When we got to the insurance part I asked if this was mandatory and she said YES. I really needed the money at the time so I took the loan with every intention to pay it off early so that I would n't have to pay so much back in interest. Since my first payment in  XXXX  I would spend hours trying to figure out how the interest was calculated and how much I needed to pay each month to pay off the loan early. The numbers NEVER added up. I asked for my payoff each time I made a payment, and the figures they would give me never made sense, so I never paid the loan off early like I planned too. So in  XXXX , I called and spoke to a representative,  XXXX , who could only tell me it is what it is because that 's what I signed up for. I then spoke to another representative,  XXXX , who could not provide me any information either. I spoke to the branch  XXXX   XXXX  once who could not explain how the interest was charged either. I went into the branch  one  afternoon and sat with someone and still she still could not help. I called customer service on  XXXX   XXXX ,  XXXX  and spoke with someone who could help me a bit, but when I asked more questions she let me know she was not qualified and would pass my information to the district manager. Even though my check from the company was made payable in the amount of  XXXX , I was financed for the amount of  XXXX . I was unaware of this, so that 's why I could never figure out what went wrong. Today  XXXX   XXXX ,  XXXX  I went into the branch and sat with  XXXX  face to face. Within our meeting she said the insurance is NOT mandatory and she does n't remember who closed my loan. Not only that, she said the associates I kept speaking with when I had questions could n't help me because they do n't know themselves! When I asked who 's signature it was on my closing document she then remembered who closed the loan, and advised me that the girl is no longer working there. This company has scammed me out of some serious money with their deceptive practices and leading me to believe that insurance is mandatory and not explaining the amount I was approved for versus the amount the check was written for. I am hoping to not make the same mistakes again and only pay back what I owe, and nothing extra.

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 WELLS FARGO & COMPANY (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Wells Fargo Home Mortgage was included in my Chapter XXXX bankruptcy that XXXX in XXXX  2016. I have surrendered my interest in the home and it should no longer be listed as my debt. 

I have already contacted Wells Fargo and they refused to remove this. They told me that they do n't honor court orders!?! I then called my attorney who said that Wells Fargo is violating the discharge injunction and to contact all the credit bureaus directly. 

I have sent proof that this mortgage was included in bankruptcy to all the credit bureaus and they have removed the information from my credit report. Each time, Wells Fargo comes back saying the loan was modified and it goes back on my credit report. 

Last year, my ex-husband did something with Well Fargo Home Mortgage to lower his payments and not lose the home. I was not involved in that in any way. Wells Fargo told me they DID honor our court ordered divorce decree allowing him to modify the loan without me. I have attached the documentation Wells Fargo sent to me regarding the loan modification in his name only.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: HELLO, ON MONDAY XXXX XXXX 2017 I SENT A DISPUTE TO EQUIFAX. 
ON XXXX XXXX 2017 EQUIFAX RECIEVED THE LETTERS VIA CERTIFIED MAIL. 
TODAY IS XXXX XXXX 2017 AND YET THEY HAVE NOT RESPONDED TO MY DISPUTE OR HAVE INVESTIGATED. I HAVE CALLED THEM PERSONALLY AND HAVE BEEN ON HOLD OVER 1 HOUR AND THE CUSTOMER SERVICE AGENT STILL HAS YET TO ''SPEAK TO ME ''. SHE ANSWERED AND PUT ME ON HOLD AGAIN FOR 45 MINUTES AFTER AND NEVER PICKED UP THE PHONE. I WAS PLACE ON HOLD FOR OVER 2 HOURS AND THEY NEVER CAME BACK ON THE LINE TO HELP ME RESOLVE THE MANNER. THEY ARE NOT HELPING ME. THEY HAVE VIOLATED THE FEDERAL LAW AND HAVE SHOWN ME BAD FAITH AND ABANDONED ME.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Mortgage (Other type of mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Trouble during payment process

Complaint: I am attempting to have a payoff amount quoted to me via either phone, or online. At this point I have been informed that this is impossible and that the only way I can obtain this pay off amount will be via regular mail. This is consumer fraud because as a customer who desires to pay the amount owed today, I must wait several days, possibly a week because their corporate office is located in Texas. In the meantime interest is accruing of which I still must pay while waiting for the payoff amount. This company needs to be informed that this type of consumer fraud and I believe irregularity which does not conform to the law stating as a consumer I should be able to obtain a payoff figure when I desire to pay off the amount owed and not have to wait.

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 07/23/2015 about Debt collection (Federal student loan) with Delta Management Associates, Inc. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am Low Income and on XXXX. I telephoned Delta Management collection agency to inform them that I would like to rehabilitate my loan. First they tried to talk to me into a discharge. I explicitly informed them That was n't my best option and I knew my rights. this went on seemed like XXXX minutes and they finally agreed to send me paperwork for rehabilitation. So I gave that seven days for that to reach them by post mail. I called them and they chose to give me the run around again. I then had to call XXXX because somehow my account was suspended for XXXX days. they said I had to call XXXX. At which point I did and XXXX was even fruststrated. XXXX then told me I have the right to do whatever I would like to do in regards to my loan. XXXX then directed me to call the department of education inorder for the XXXX to contact delta management to get my rights addressed and my loan rehabilitated. Now the D.O.E just tells me that XXXX XXXX can take care of everything I need to rehabilitate the loan and that XXXX XXXX are the ones who have the right to choose not to honor the suspension and go ahead rehabilitate my loan. So I called XXXX XXXX and was hung up on mid conversation. I then got in touch with a supervisor haworth who told me I had to call XXXX or the department of education. called everyone twice and they all had me calling the other .wether it be XXXX, XXXX. or Delta Management. This went on for over an hour and still nothing is resolved. So I then get back on the phone with XXXX and they give me an address to D.O.E to write them a letter to get off a XXXX discharge program. in which I never wanted to be on. they say it 'll take XXXX days for that to go through. I just wanted to rehabilitate my loan. 
I spoke with XXXX XXXX at DELTA MANAGEMENT Associates XXXX XXXX is also with Delta Management Associates on my File. 
I spoke with XXXX XXXX at XXXX. debt colections division and she tells me just send me the agreed amount of rehab payment. with no rehabilitation aggreement .And it is my understanding XXXX. can not accept any monies unless it 's full amount of loan once it is in possesion of collection agency. I Informed XXXX XXXX that i was contactiong CFPB and she says to me well let me write a little note about advising me that I can hust sent the rehab payment amount to them YOU DO NOT HAVE A DESCRIPTION OF MY ISSUE. But falls under Communication Tactics. Dis regard frequent or repeated calls to me by them. But I am the one who made repeated calls to them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation