milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2015 about Consumer Loan (Installment loan) with AQUA FINANCE, INC. (TX).
Issue: Taking out the loan or lease

Complaint: We went through a copy called XXXX XXXX XXXX for a pool loan. The total cost of the project was {$50000.00}. We did not have all of the funds and only needed a loan for {$15000.00}. When we started the process we were told it was unsecured and nothing will be attached to the property. 
XXXX sold the loan to Aqua Finance which is who I signed all of the loan papers with. I read the loan documents before I signed and nowhere did it say it they would file anything against my property via a lien or a XXXX filing. 
I am refinancing my home and was told they filed a XXXX on my whole property. I was concerned and called Aqua to see what was going on. I was told that 's what they do and have been doing that for ever. I asked them where in the contract I signed, it stated that they were filing a UCC on my property. They referred me to a section of the contract under Additional Provisions ( B. ) Security Interest. I read it and know where under that section did it say they were filing anything against the property. 
I spoke with XXXX XXXX Collection Manager for Aqua and he sent me the same document saying the same thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX Report.com, Experian 's consumer service that says it gives you real, accurate credit scores from all three agencies. It is telling me my XXXX score is XXXX, my XXXX is XXXX, and experian is XXXX. Yet I ran my credit and none of those are even close to the scores actually reported to credit and lending institutions. They are charging me {$60.00} a month for the service. That 's fraud and misrepresentation. I know, I work at the FDIC when the CFPB was formed in XXXX directly for XXXX XXXX. This is criminal. Please investigate and let me know.

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 07/21/2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (TN).
Issue: Can't contact lender

Complaint: I received a loan from this company Easy Money a few months ago. I ran into some financial difficulties and was not able to pay the loan back. I put the loan under debt plan with a company called XXXX. I mailed copies of my paperworK. That I signed. To easy money they Continue. To call me .I received. A csll today from. XXXX they lady told me why she was calling me end I explained to that i had put them in my debt plan and all my other creditors had stopped calling me. I asked for her email or fax so I could have. The paperwork sent to them she said they do n't receve information. By email or fax. I asked how are they suppose to get the information. To her if she will nod give me the information. To give to them. She stated you do n't. Want. Listen to what I am saying so you have a good day

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Funding LLC is reporting a due balance of {$8000.00} under the account number XXXX in my credit report which should not be in my credit report because the date of default or the last date of any activities with me is more than 7 years old. The card was with XXXX and last activity with me is in early XX/XX/XXXX and subsequently defaulted. XXXX was sold to XXXX bank in early XX/XX/XXXX. In XX/XX/XXXX, XXXX sold the account to Midland LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Consumer Loan (Installment loan) with Southwest Recovery Services, Inc. (TX).
Issue: Managing the loan or lease

Complaint: I have not received any communication from this company. It 's reporting to my XXXX credit report and the original creditor listed is XXXX XXXX and I 've never had an acct with them or purchased any merchandise from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WI).
Issue: Loan modification,collection,foreclosure

Complaint: Obtained a Loan Modification agreement and Trial Period from XXXX XXXX XXXX, Agreement signed on XX/XX/2015, with payments due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
mortgage was sold to Carrington Mortgage Services on XX/XX/2015. I made all four payments, but Carrington claimed I did not make the XX/XX/XXXX payment, despite having it on record. They denied the Loan Modification based on that, rejected my XX/XX/XXXX Payment and my XX/XX/XXXX payment, then initiated foreclosure claiming I had not made the XX/XX/XXXX payment ( which was not due or owed due to the modificaiton agreement ) now they wo n't work with me, refuse to look at their records and are going forward with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have had my mortgage since XX/XX/XXXX and have made timely payments for the past XXXX years. I refinance in XX/XX/XXXX and the mortgage company messed up my FHA account number. They did not close the old account number out and were sending my escrow payments to the old FHA case number. They sent me a mortgage increase statement at the beginning of the year showing an escrow shortage of over {$5000.00}. I 've been working with the mortgage company to correct this issue for XXXX months. They figured out the escrow account problem but then stated that my MPI payments were never made during the transition from the old mortgage company to the new XXXX. Now their stating that I have an $ 800+ shortage. I received a reimbursement check approximately XXXX years ago for about {$300.00}. I explained that if I should n't have recieved that check I would be happy to repay the {$300.00}. but they can not seem to figure out why I have this shortage of over {$800.00} from my missing MPI payments. I have never short payed my mortgage, nor have I ever been late on paying. I feel that there is some illegal actions occuring and want my mortgage and the mortgage company investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MD).
Issue: Deposits and withdrawals

Complaint: This complaint goes in hand with Complaint # XXXX filed XXXX XXXX. Yesterday I made a deposit in order to ensure no overdrafts occured on my account. Last night when they posted, they posted the DEBITS first ( reason to assess an OD Fee ) and posted the credit last. I truly am convinced they are in the business of fee collections from their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Credit line increase/decrease

Complaint: We have been capital one members since XX/XX/XXXX, and last time we were approved a credit limit increase was in XX/XX/XXXX. They have been constantly denying our request with the reason of OUR AVERAGE MONTHLY PAYMENT IS TOO LOW. We pay more than the monthly payment and at times two payments a month and they are more than the monthly payments they ask for. We are tired of this company Degrading us with there observed reason on why we are Denied.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: on XXXX XXXX we had struggled to get a loan modification through XXXX mortgage after getting XXXX with a 3 % interest we signed on the dotted line. At the time we saw that they had installed a balloon payment of over {$28000.00} they said it was for the payments in arrears but we never missed more than 6 months of payments and this was only because XXXX mortgage said to stop paying thats the only way they would help us. Anyway back to the present ocwen our mortgage lender now added money to this bringing it to {$31000.00} that ocwen has added to our principle remaining balance. We our in the final stage of getting a va refi but again ocwen has tried to rip us off. after i had looked at our modification agreement i found that ocwen violated the contract by not changing our loan to principle and interest which they did not due .The mod agreement states that interest only period will end on XXXX XXXX XXXX which they did not due so now its going on 2 years later and only because i caught them violating the agreement on XXXX XXXX XXXX i had called them and are payment was at {$1700.00} and when i called on XXXX XXXX XXXX the payment doubled over night they took our 3 % interest and raised it to 7.25 % over night iam not a lawyer but this is against the law. So what we wanted them to do is remove the {$31000.00} from our principle loan balance because XXXX out of paying 2 years of principle on our house. they then said they would look into this matter and when i called back they told me that the amount of {$37000.00} would be removed from the pay off amount after the letter was approved .Ihave called almost everyday to find out when this would be removed so we can then payoff the remaining principle balance and get away from this completely crooked company .We were told that it would only take 10-15 days it has gone past that now they tell us to give them 24-48hrs they have said this 3 times .You can now see what we have been dealing with for years now please help us make them remove that fraudulant {$31000.00} deffered payment from our payoff amount so we get finally get a real XXXX fixed mortgage using my va refi. So were asking for any help that you can give us .Me and my family would like to thankyou in advance for any help you can give us to get them to remove that {$31000.00} from are payoff so we can proceed with our va refi thankyou.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Debt collection (I do not know) with Caliber Home Loans, Inc. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This will be the seventh complaint submitted to CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) starting from XXXX XXXX, 2016 until today XXXX XXXX, 2016 against CALIBER HOME LOANS , INC . This complaint will be another addendum to the prior XXXX prior complaints submitted against CALIBER HOME LOANS, INC., which are Case Numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX ( hereinafter " XXXX '' ) my true and lawful Attorney-in-Fact contacted CALIBER HOME LOANS, INC., on Friday, XXXX XXXX, 2016 and someone named XXXX, SINGLE POINT OF CONTACT AGENT, TELLER ID. NO. XXXX answered the phone. Like the other XXXX prior case numbers as listed above, XXXX kept XXXX hostage, by delaying, prohibiting, and stonewalling XXXX from speaking to a SUPERVISOR or HER SUPERVISOR, until SHE finally connected XXXX to XXXX, SUPERVISOR, TELLER ID. NO. XXXX relating to CALIBER CONDUIT ACCOUNT NUMBER XXXX almost XXXX minutes later. This abusive and intentional draconian practices needs to cease and desist IMMEDIATELY now and in the near future anytime XXXX contacts CALIBER HOME LOANS , INC .

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am disputing the referenced account on my credit report, highlighted in yellow attached. I am a US Veteran and my wife and I are in the process of purchasing a home. My wife is XXXX and we need a home to bring our son home to, I am trying to utilize the VA Loan and I paid off a debt to LNVN Funding , LLC, proof attached, in an effort to bring my credit score up to the required XXXX. I was instructed by the company to contact your establishment to assist me in removing the debt from my credit report in an effort to raise my credit score. I have attached proof that the debt was settled and paid in full with no further obligations from me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Debt collection (I do not know) with Ability Recovery Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Calls my cell phone looking for the previous owner of the number -- a XXXX XXXX. Have repeatedly told them this is n't my debt and XXXX XXXX is no longer associated with this number. They continue to call and leave blank messages on my voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (NJ).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX, I submitted an application for a HARP refinance. After Citibank dragging it out until XXXX of XXXX by continuously asking for more information weekly, I was denied because I could not show enough income possibly because I am XXXX XXXX. At that time, I told my " Homeowner Support Specialist '' XXXX XXXX that my girlfriend lived with me and he said that was good news and that we should submit her financial information. We did that immediately as requested. Since then I have made several phone calls to inquire about the status of my application only to spend hours on the phone receiving the run around. Usually I get cut off or I finally give up holding. I am still making payments when I can and would like this resolved. I am hoping that you can help.

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 11-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by this law firm- Linebarger , Zgoggan Blair & Sampson claiming to collect a debt on behalf of XXXX prepaid program, but the issues with the letter they sent me were that : it had the wrong parent company name ( they used XXXX instead of XXXX ), they used the wrong website ( XXXX, instead of XXXX ) they used an account number that was n't mine, and my account setup with XXXX mandates that they automatically reload my account from my credit card, so having an outstanding balance is not possible. My opinion is that this law firm - Linebarger, Zgoggan Blair & Sampson is practicing some sort of fraud to collect money from toll customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Credit card protection / Debt protection

Complaint: I had paid for a protection policy in case I was hospitalized or lost my job, the amount owed would be waived and I would owe nothing. I submitted all of the necessary paper work and they refused to honor the policy. I have been threatened and they have called all of my relatives friends and so on harassing them to get me to pay them money.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: there are 2 disputes on my credit card and both items and orders where canceled on one dispute the XXXX was rightly charged the merchant refunded my money, but captial one has kept that XXXX  on my account refusing to remove it and charging me interest.
on the second one i was charged XXXX rightfully. the item was defective, and i work endlessly to get the merchant to send me a return label and they never would so i filed my dispute. so the XXXX was on my account then capital one took it off XXXX. they sided with the merchant even though i could not get the merchant to corporate with me about returning the item so it sets by my door for 2 or 3 weeks, and capital one places the XXXX back on my account. and even though i used there upload link to upload the information they requested. other than a reason why the merchant would not return my funds from another merchant. other merchant is not gon na get involved in my problem. anyway a few days later the merchant sends me a return label through XXXX and XXXX picks the item up, next i upload everything to capital one and they are sending me letters that i still own all of this money even though orders were canceled or either returned once the merchant sent me the return label.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My information was sold to a 3rd party without my permission. I did n't sign anything for my information to be released to this comp [ any. This has impacted my credit score bad.

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 06/16/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated, unwanted calls not just to me, but to my elderly father and also ex wife.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Their is a bankruptcy reporting on my credit report that is not mine, I spoke to the bankruptcy court and they confirmed that its not mine and is not sure how this is being reported on my credit report as they did not even have my SSN in their system. They saw a smiler name but could not provide me with any information of that person and they told me to dispute it with the reporting tangency. I reached out to the credit agency and they wont remove it nor will they tell me why or how they verified that its mine.

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 09-08-2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I did dispute all of the inquiries by mail and I called each credit bureau, but no one was willing to help me. I received XXXX response by mail from Equifax ( attached bellow ) and they will not help. I have tried multiple times to talk to each credit bureau and I get the same rude response and know one will connect me to a supervisor or anyone in the United States offices. Some of the representatives I talked to were very belligerent and knew of the issue from looking at my account, but they would basically tell me too bad. I am really frustrated about these inquiries because almost all of them I did not authorize and I have no idea how they got authorization to look at my credit. I am very concerned about this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Arbitration

Complaint: Approximately 2 years ago I contacted XXXX XXXX XXXX ( XXXX ) to settle XXXX large debts I had with a couple of credit card companies. We arranged an amount of money to be drafted to them once a month - and when there were enough funds they would negotiate a settlement with the companies. Everything was fine with XXXX of the companies - a settlement was reached in XXXX XXXX. The other - Bank of America ( FIA card services as it was then XXXX ) - was a different matter. I waited another year and when I thought I had enough funds in my account began to call them about the other settlement. It was then I found out that they used a different company - XXXX XXXX XXXX - to negotiate the settlement ( although XXXX held my money ). I was given a gentleman called XXXX XXXX at XXXX as my negotiator. From then on - despite numerous telephone calls and emails from me, nothing was done, even though they continued to deduct my monthly payment. It was not until recently ( XXXX XXXX, XXXX ) that XXXX ( XXXX ) admitted that since XXXX they were no longer authorized to negotiate with B of A, and he suggested that I call them and try to negotiate a settlement. I explained that if that had been my intent in the XXXX place, why would I have needed them at all. I expressed my desire to have all my funds returned to me immediately, and I would try to deal with it myself. That is when I was also told that they did n't have my funds - XXXX did. I contacted XXXX by email and telephone, however, the " Customer Service Reps '' were extremely rude - talking over me as I tried to explain my problem and even hanging up on me! I finally managed to contact a supervisor ( XXXX ) who was very helpful and returned my funds ( {$7500.00} ), but I felt I was owed more than that given the length of time it had taken for this to happen ( a year and a half ), the amount of time and energy I had invested in getting to the truth, the fact that they did not put the money in some sort of interest bearing account, the appalling behavior of the customer service reps at both companies and the continual misinformation I was given. And I STILL have not resolved my debt to B of A. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, I have contacted transunion on multiple occasions to stop illegally reporting my sister credit information on my credit report. On XXXX XXXX, I went to finance a vehicle, and my credit was flagged as high risk because I failed the security questions about my credit profile. The security questions that were asked, were questions pertaining to a car loan and the payment installments which I had no knowledge of. I then checked my credit history and saw that transunion have ignored my contact to stop reporting false information on my credit. They have been reporting my sister 's information on my credit report on multiple times. 
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