milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2016 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (LA).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I bought a house in XXXX XXXX ; the closing took place in XXXX XXXX, XXXX. At that time, our monthly payment was calculated at {$2200.00}, with our first payment being due on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we received a letter from Flagstar Bank that our monthly payment would increase to {$3700.00} because they had miscalculated the property taxes and insurance. We tried to negotiate with the bank that we could not pay the increased amount, but the bank refused to negotiate with us. We continued to pay the agreed upon monthly payment of {$2200.00} until XXXX XXXX, XXXX, when our payment was returned to us. We also received a check in the mail for {$3000.00} with no explanation. We have been unable to reach anyone at the bank since that time, we have no idea what the status of the account it, we never received foreclosure paperwork, and it is showing up as a negative account on our credit reports. Also, this was a VA Loan, and if it goes into foreclosure, we will lose our VA Loan benefit for future purposes. I was told by a legal assistance attorney at a XXXX XXXX Assistance Office that my rights under the Real Estate Settlement Procedures Act may have been violated, specifically, that the bank was supposed to make a good faith effort to estimate the fees associated with the property at the time of the purchase contract, that they were supposed to give us an actual estimate of the expenses 3 days prior to closing, and that they may have violated the law with regard to the escrow 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 05/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SOUTHERN MANAGEMENT CORP. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Multiple phone calls through the day starting at XXXX and ending sometimes at XXXX EST. Multiple visits to my house and today I was blocked in the driveway by the collector and I told him to leave or I would call the police. These house visits are common and have asked them to stop doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (VA).
Issue: Using a debit or ATM card

Complaint: I have noticed now about 4 times that PAYPAL when I go to do an ATM withdrawal of my account that the fees do not match up when held and the posted. 
Example today my balance was {$200.00}. I withdrew {$200.00}. The ATM charged a {$3.00} fee for atm use. When looking at my account I have a new balance of {$3.00}. In the temporary hold section it shows a hold of {$200.00}. However, there is no mention of any fees associated on PAYPAL 's side for the ATM withdrawal. In looking at my summary, it showed before my {$200.00} balance, ATM withdrawal {$200.00}, balance {$3.00}. NO WHERE do that say or post the {$1.00} fee for the ATM card use. I have noticed this on ATM withdrawals but not checked if I use it at XXXX. I have noticed descrepencies with the balance and making purchases via Ebay or in person with my card. The balances do not seem to match up all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Credit card debt) with JTM Capital Management, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Beginning in XXXX of XXXX I have disputed these alleged debts. I have asked for debt validation from XXXX XXXX Bank along with JTM Capital Management and requested that these accounts are removed from my credit reports. I have not received validation of debt from XXXX XXXX Bank or JTM Capital Management and my requests have been ignored. I do not have any knowledge of these accounts. I want to see proof of debt and a contract that has my signature to prove, I am in fact the person repsonsible for these debts. XXXX XXXX XXXX JTM Capital Management continues to verify the accuracy of the information being reported with the CREDIT BUREAUS after my numerous disputes with XXXX , XXXX and XXXX . However, my debt validation request are being ignored. 

There are a total of two accounts from XXXX XXXX XXXX XXXX being reported on my credit reports. I am disputing both accounts. Both accounts are listed as sold/transferred to JTM Capital Mangament LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Attempted to foreclose on home without reason and proper notice or documents. I also must say that when I notified XXXX of the issues they seemed to really want the issues resolved and did give me the impression that they were not involved in the fraudulent issues at all. I do believe that they were an innocent party in the document production and were not interested in moving forth when they were made aware of the issues. I am filing this claim because it seems that the companies have changed but that they may also have in their files this information in case I have to deal with them as substitute trustees again. I has come back to them 3 times in the past. I have attempted to follow thru so that truly innocent companies are not drawn into where not involved. They listed my home on the internet for sale without notifying me for foreclosure .They were given incomplete info for doing so but proceeded anyway until I contacted them. Had someone not told me it would have been accomplished. I want this resolved

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 05-09-2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: An account is listed on my Experian Credit Report from a collection company  XXXX   XXXX   XXXX  Account #  XXXX . Experian has listed this account as open derogatory account with the open date of   XXXX   XXXX   XXXX  . I have contact Experian multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. I received a signed copy from the  Civil Court Judge that this case wa s Settled on   XXXX   XXXX   XXXX  . A year before this collection company stated that the account was open. This Closed/Settled account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account.I also called Experian on today about this matter and the Representative that I spoke with stated that they do n't ask for documentation to verify that someone owe a debt. They just send the information to the collection agency and they selected if they verified it or not. Which is a violation because under the FCRA to have properly verified the accuracy of an account listed on my credit report.

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 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I am unfortunately a victim of identity theft at Capital One Bank.
It seems as if some fraudulently opened credit cards were opened in my name.
I 'd like for them to be removed from Capital One 's system and also my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Settlement process and costs

Complaint: We secured and were under an agreement with Wells Fargo to purchase a home under an 89.9 % loan exception which allowed us to pay a 10.1 % down payment on the purchase of a new home. These conditions provided a significant advantage to us in terms of the cash out of pocket and was the basis of pursuing the loan through Wells Fargo versus alternate loan providers. We progressed through the loan process ( providing timely documentation ) and were assured at multiple stages that we were on track to close on the contract date ( XXXX XXXX ). 

Wednesday morning before XXXX ( XXXX XXXX ) we received a call from an agent of Wells Fargo indicating that Wells Fargo did not agree with the appraiser 's estimated home value ( which they had since XXXX XXXX ) and required the loan to go through additional internal reviews. They communicated that these reviews ( even if expedited ) would delay the closing date of the home. The agent indicated the only scenario in which we could maintain the original closing date was if we put 20 % down. He pressed and indicated they needed our decision by mid-day otherwise the closing would be delayed. 

I communicated how egregious I thought the entire scenario was and that I believed this was a " bait and switch ''. This last minute issue arose XXXX 44 days post contract submission, and ~ 30 days post receipt of the original appraisal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (OK).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On Friday XXXX XXXX I received a call from Diversified Consultants Inc from number XXXX. When I discovered it was a debt collector who purchased my account from XXXX I advised the caller that they had called a business line and stated they were not to call this number again. Just shy of 24 hours later I received another call on the same phone from this company from XXXX. I also find it funny that this company has called twice from a XXXX area code which is local to me but they are actually calling from XXXX, FL! I did not answer the second time and called them back this morning to inform them of the complaint as well as let them know if they call me again I will proceed with legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2018 about Debt collection (Medical debt) with ATG Credit, LLC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/XXXX- {$30.00}XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX- {$30.00}XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX- {$30.00} XX/XX/XXXX - {$41.00} Asked reporting agency to validate debt by providing copies of original statements/ signed contracts. Company failed to provide such information. I also requested a copy of letter explaining they were attempting to collect as I never received one copy. Reporting agency stopped answering my calls and emails. I also contacted their client and requested for them to send me a copy of original invoices for which the stated they didn't have any available, I never received these invoices and went on a weekly basis to this place for therapy and they failed to inform me I owed anything as I have insurance that should have covered these charges. Reporting agency is also reporting several different accounts for the same issue. The first time I learned about the collections was in late XX/XX/XXXX, I had to call the reporting agency as I never knew this was on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2016 about Payday loan () with National Principal Group, LLC (TX).
Issue: Can't contact lender

Complaint: I am being harassed by a company that will not give any of their information. They are not only harassing me but also my brother and an old roommates MOTHER, whom is n't even related to me. When I ask them for information they refuse to give anything. They say it 's for a payday loan that I do not have. I checked my report and there is nothing even close to that on there. They continue to call but refuse to provide any sort of written documentation or tell me who they are. They have also threatened me with jail, which I know is illegal. How do I find out who these people are and have them appropriately punished?

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (PA).
Issue: Trouble during payment process

Complaint: I filed a complaint with CFPB in XXXX 2017. PennyMac Mortgage failed to pay my taxes. I called them on XXXX XXXX, 2017 and it took them almost 60 days to pay the bill. This is not the first time they have not paid my taxes. In a response letter from PennyMac they stated they would not charge my the late penalties the township had charged and they said they did not receive any tax bill to pay. 1. My township informed me they did send all tax notices out as normal. 2. On my XXXX statement I was charged for the penalties. I called XXXX XXXX XXXX who signed the letter and she never returned my call. The response letter also said that they would not honor removing the PMI because of the loan value. I know they can make exceptions and would like them to remove the PMI or adjust the account for the PMI to be applied to by principal balance. I can not understand how companies can enforce charges for their protection, but I am unable to enforce any to protect myself. Lastly, The response letter I received had an apology line for my frustration, but it was crossed out in red ink. Another example of unprofessionalism with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2016 i have disputed several fraudulent accounts and Public Records that was listed on my Equifax Credit Report however after Equifax received my supporting documentation i.e. Police Report and Identity theft Affidavit and letter ( s ) sent to the Court, Companies and Creditor Equifax still refused to block the fraudulent accounts being reporting on my report. I have provided a listing of the companies and Public Records i disputed with Equifax below, 1 ) XXXX Bankruptcy XXXX Filed XXXX 2 ) XXXX Bankruptcy Court Filed XXXX 3 ) XXXX XXXX Special Civil Part Filed XXXX 4 ) XXXX XXXX Special Civil Part Filed XXXX XXXX ) XXXX XXXX Special Civil Part Filed XXXX 6 ) XXXX XXXX Special Civil Part Filed XXXX 7 ) XXXX Mortgage 8 ) XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX 11 ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened my account under the promotional terms that I would receive a {$350.00} bonus for opening  a webster premier che cking account and doin g ONE of the following : 1.    Direct Deposit 2. 10 debit transactions 3. 5 bill pays I had 2 bil l pays on  XXXX  and  3 b ill pays on  XXXX  I also had a direct deposit on  XXXX .      Webster bank says I do n't qualify because 2 of th e bill pays are after  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I contacted the United States Bankruptcy Court in XXXX Connecticut on XXXX XXXX, telephone number XXXX and inquired about XXXX Bankruptcys that are on my credit report, XXXX from date XXXX/XXXX/XXXX and XXXX from XXXX/XXXX/XXXX. I spoke with Bankruptcy clerk XXXX XXXX and stated to her this is showing on my credit report with Experian, XXXX and XXXX, Bankruptcy clerk XXXX XXXX stated to me they didnt report any Bankruptcy of any kind with my name on it, XXXX XXXX along with another clerk by the name of XXXX stated the Bankruptcy court do not report to any of these agencys. They stated to me they dont know where the got this information from or how, but that didnt provide them this information. And that this information is incorrect.

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 10/18/2017 about Debt collection (I do not know) with Commercial Recovery Systems (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/2017 Phone call transcript. 
Called from XXXX Hey not bad. 

Yes file services notice for XXXX XXXX -- XXXX XXXX this is the Office of XXXX XXXX XXXX calling -- again I was asked to contact you in regards to a complaint we received with allegations attached we need to get a formal response from you -- this to be in the office today until XXXX XXXX -- at that time are gon na submit this back to the client the client is going to requested to be scheduled for hearing -- had a verification of employment paperwork will be issued out for your signature -- if you have any questions or concerns would like to submit a formal response or take advantage of mediation services my office provides I XXXX 's he 'll be your last chance to respond to this matter through my office -- contact ( XXXX ) XXXX -- S to speak with XXXX at XXXX

Company response to consumer: Untimely response
Consumer complaint received 06/23/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly asked for validation of this debt from this collection agency and they have not responded yet continue to report this negative account to my file. I requested that the company provide a contract between them and the alleged original creditor, Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. They have not complied, yet they continue to " verify '' this inaccurate account. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am concerned by the fact that I have NEVER received a FREE Credit report from Equifax ... I have had to PAY for them ... and on an ON GOING Basis. WHY IS THIS? This was the only way I could receive it online. Is that standard practice? I was so desperate to see what my report looked like I DID Pay, both my dad and I. Once for {$15.00} on XXXX 2015 AND again on XXXX/XXXX/2015. The site said " Failed '' and the only way I could get it was by PAYING For it! XXXX XXXX TIME THIS HAS HAPPENED ) I want to know why I could not have access to my report without having to PAY for it, more than {$30.00} in less than a XXXX month period? 
And Possibly be reimbursed since I never received a XXXX Copy this Year. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (I do not know) with Ascension Point Recovery Services, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: this parasitic company is trying to collect debts, from family members, that DO NOT exist. They are praying on people that have recently had a death in their family and telling the survivors that the dead owe them money. This company and EVERYONE that works for them is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-12-2018 about Checking or savings account (Checking account) with U.S. BANCORP (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Hello, I received a phone call on Friday XX/XX/XXXX from a lady named XXXX XXXX she told me she was working with a collection company for US Bank and I needed to call this number in order to fix my situation or they were going to freeze my assets and get a hold of my HR at my job. The number she wanted me to call is XXXX XXXX XXXX. This lady stated in my voicemail that I still have by the way, to clear my checking account problem soon and it's from XX/XX/XXXX. I didn't receive my voicemail until Saturday morning XX/XX/XXXX at that time I called the number she left on my voicemail I reached a guy named XXXX XXXX from phone number XXXX XXXX at extension XXXX. Then he proceeded to tell me we were being recorded as we were talking and he can use this for court purposes he told me I need to clear up this matter that I had US Bank and I supposedly wrote a check for {$24.00} and it went into overdraft and he stated they forced closed my checking account in XX/XX/XXXX mind you XXXX XXXX told me it was from XX/XX/XXXX. Me being scammed and a victim of identity theft I also have the XXXX XXXX monitoring my credit because I.work for the XXXX XXXX. I checked into this to find out it was a scam and l was to go report this. They were asking me for {$2700.00} I told him I was not paying anything until I found out if this was legit he advised me to call back as soon as possible to fix this matter or my assets will be froze! I also told him I had my account at US Bank till XX/XX/XXXX that he was a lier!!!! I did not give him any personal info! I'm so sick and tired of these scammers trying to rip off hard working people! Please find them and prosecute them. I'm also looking into an attorney to sue them. Thank you

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 06/24/2017 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: Account status incorrect

Complaint: I paid on time and paid it off but they saying i still owe

Company response to consumer: Closed with explanation