milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-11-2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: STATEMENT OF COMPLAINT : With this complaint, XXXX XXXX XXXX is requesting the Consumer Financial Protection Bureau bring enforcement action, both civil and criminal, against Caliber Home Loans , Inc . 

For purposes of this complaint, " Caliber Home Loans, Inc. '' means any principal, partner, shareholder, attorney, contract attorney, representative, agent or employee performing any service or work related to any foreclosure, past or present, connected to any mortgage loan, deed of trust or any document submitted to the Public Trustee of XXXX County relevant to the real property located at XXXX XXXX XXXX XXXX in XXXX County, Colorado. 

Relevant state and federal court records and documents establish that Caliber Home Loans has knowingly and intentionally engaged in coordinated debt-collection activities to collect a debt in violation of state and federal laws including, but not limited to, the Federal Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, Caliber Home Loans is and was, at all relevant times, engaged in the collection and attempts to collect, both directly and indirectly, a time-barred debt from XXXX XXXX XXXX, which Caliber Home Loans unlawfully alleged was owed and due to others. 

Additionally, seven years of relevant documents, business records and communications establish that Caliber Home Loans has knowingly and intentionally engaged in coordinated debt-collection activities to mislead, intimidate, and harass XXXX XXXX XXXX, in violation of both state and federal settlement agreements. 

Moreover, XXXX XXXX XXXX has probable cause to believe that court documents and court records, along with relevant business records and communications, establish Caliber Home Loans knowingly and intentionally engaged in coordinated and debt-collection activities in violation of FDCPA to commit a fraud on the PUBLIC TRUSTEE OF XXXX COUNTY. 

XXXX XXXX XXXX hereby incorporates by reference each and every statement and fact contained within Consumer Financial Protection Bureau Case Number XXXX, as if specifically set forth herein. 

XXXX XXXX XXXX hereby incorporates by reference each and every statement and fact contained with Consumer Financial Protection Bureau Case Number XXXX, as if specifically set forth herein. 

Finally, XXXX XXXX XXXX hereby incorporates by reference each and every statement and fact contained within any state or federal court document or record relevant to this complaint, as if specifically set forth herein.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I got an following email from Citibank about a promotional offer where-in if I open a citigold account with the promotion code : XXXX and then meet the following requirements, then I 'll be getting the XXXX XXXX Bonus miles after 90 days ( starting from the last statement after the requirements are met ) Requirements : 1. Spend {$1000.00} on the debit card 2. There has to be 2 consecutive bill payments in consecutive 2 months. 

I met both the requirements in XX/XX/2016, then I waited for the statement generated on XXXX XXXX 2016. After that I waited till 90 days ( XXXX statements ) i.e the statement generated on XXXX XXXX 2016, still i have n't ' got the XXXX miles. 

After that I called the customer care of Citibank multiple times, escalated the case to supervisor, still nothing happened. 

This is same scenario with couple of my friends as well. 

So I was left with no other choice, but to raise a complaint against these cheaters who make false promises just to attract customers in the beginning and then they never fulfill their promises. 

If I wont get my deserved/earned XXXX American bonus miles, I 'll close my Citibank account and I 'll never open it again. 

Hope you understand my frustration here and help me get my XXXX XXXX miles from Citibank. 

Thanks and regards, XXXX XXXX XXXXXXXXXXXX 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 04-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I need a lower payment, deferment or forbearance!! I can not repay these loans as of yet!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My credit report continue to show incorrect and false information for me. My credit was used previously in the past fraudulently and I want to prevent this from ever happening again. I have been trying to have my name and address corrected on my XXXX and Transunion credit report but the incorrect information still remains.

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 09/21/2015 about Credit card () with CITIBANK, N.A. (NH).
Issue: Billing statement

Complaint: Citi refused to generate my credit card statement for the month of XXXX. My last statement was generated on XXXX XXXX, and then I requested a change of statement date on XXXX XXXX, when a Citi rep told me that the request would n't affect XXXX ( 2015 ) statement generation. Now, Citi has refused to generate a statement for the month of XXXX, saying that the new statement will only be available on XXXX XXXX. 

As a result of this, I 'm not going to have a statement for the month of XXXX, and thus, I wo n't receive any signup bonus ( XXXX points ) that I was promised. I was planning to use the signup bonus ( worth {$660.00} ) to make a travel booking, and because of incorrect information given by a Citi rep, I will have to make alternative arrangements. 

When I pay {$450.00} annual fee for a credit card, I expect better service. Citi reps are very unhelpful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I would like to file a FTC claim of Fraud against Mortgsge Co, and the unknown Note Holder ( s ). According to an Independent Forensic Loan Audit, my mortgage violated several FTC and other Laws, Acts, and Regulations. Mortgage payments were made to several different Mortgage Cos. and Mortgage Service Cos. However, A different, recently Assigned Trust/Company has been granted a " Summary Judgment for Foreclosure & Sheriff Sale '' .of my home. I had requested a " Validation by contracts '' of the alleged debt several times. One request was by fax. The request was to provide proof of the debt or stop All contacts and All actions related to debt. OR voluntarily agree to certain fines. But, their response was more printouts of payments schedules & the Actions of Foreclosure, instead. The mortgage Violations are evidence of Fraud on the part of the Mortgage Co. and follows to any Assigned Trust or company. According to the Audit, the mortgage Violated many FTC and other laws, which makes it a Fraudulent.Debt. and Fraudelulent Foreclosure. 
I am attaching the following documents to support this claim : 1. Copy of the independent Forensic Loan Audit 2. Copy of partial list of Mulltiple Calls from Mortgage Company with some related letters. 
3. Copy of fax ( dated XXXX/XXXX/2014 ) Requesting a Validation of the Mortgage and Note to identify true " Holder ( s ) of the Note ''. 
4. Copy of the Mortgage Company 's Responses dated XXXX/XXXX/2014 ) to request for " Holders of the Note '', OR to agree to fines if unable to stop all contact & actions related to the debt.. 
5. Copy of some of the continued contacts & actions related to the debt, after failure to Valiidation of the Debt., by mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I got an online credit report from Experian, and saw that there is XXXX on the name lists is not my name, it 's my middle name and first name but I 'm sure I never use just XXXX of them before, I always use my short name : XXXX XXXX or XXXX XXXX XXXX XXXX for full name, sometimes XXXX XXXX XXXX but never use XXXX XXXX, so it 's not belong to me but the name is in my credit report? 
On the other hand, there is XXXX address I never see before in my address list which is in some below lists showed up that address tried to apply to credit by my name and information, i never live in XXXX, the only State I have been living is XXXX and only XXXX. This is totally looks pretty weird to me who never transfer out of XXXX XXXX. Please help me double check my name and address information. 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XX/XX/XXXX I applied for a Wal-Mart Credit Card because of a breech of my personal information by XXXX XX/XX/XXXX I have a credit block on my credit file Sychrony Bank ran my credit not only for the Wal-Mart credit card that I applied for but also for a Steinmart Credit card which I did not apply for. On XXXX XXXX, XXXX Synchrony Bank sent me an email with the determination of the Wal-Mart credit application by email with a link embedded in the email. The link did not work so I contacted Synchrony Bank by phone and spoke to XXXX who informed me that the application was declined because of the could not pull my credit score to approve the application. She place me on hold and while she did I accessed my Credit via XXXX, XXXX and XXXX and discovered that Synchrony had pulled my credit score not once but twice. The representative XXXX stated that she would send me out the reason for denial however she advised me to remove the Credit Block from my credit file to have the application processed. When I questioned the validity of her suggestion she explained that if I wanted to have the application processed this was what I needed to do. When I confronted her with the fact that Synchrony Bank had already pulled my credit twice for XXXX different credit cards she thanked me for calling and the call was ended.

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 10/22/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: For months at a time, I recieved several phone calls a day made arrangements. They said they would still call me until the payment was made. Sometimes they would threaten me with things like foreclosure, other multiple calls.They have charged me many late charges when I was not late.They changed my due date without permission, added insurance when I had my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (AZ).
Issue: Credit decision / Underwriting

Complaint: Seterus did my yearly Escrow Analysis on my mortgage on XXXX/XXXX/15 and am entitled to a refund of {$1000.00}. According to the Statement I received that refund was to be sent to me within 30 days. I have contacted them 3 times about the status of my refund and they lie to me, giving a specific week that they never meet and giving excuses. This is my money and they have no right to hold on to it. There must be some kind of law that they are breaking and I feel that they should be punished.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Levy placed by State of NC on XX/XX/XXXX. Levy released onXX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX X 2. Bank seized both mortgage payment and car payment ( to Wells Fargo ), about {$1000.00}, causing both to be late. Branch Bank repeatedly passed the buck to Legal. Legal Dept is impossible to get on the phone, with wait times exceeding 39 mins for all calls made to them. Legal Dept has hung up when I started pressing the issue of withholding funds after the State has released them. As of XX/XX/XXXX they  have seized another {$680.00}. A branch banker in my hometown has a contact with Legal that told them if there was a medical emergency Wells would release funds immediately but that otherwise I was " XXXX ''. The XXXX is a quote from Wells. Contact also stated that Wells was prepared to release the hold on XX/XX/XXXX. This appears to be an arbitrary date for Wells convenience. When all is said and done Wells will have withheld approximately {$3000.00} for at least 10 days more than authorized by the State of NC.

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 12/20/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CASE # XXXX. 
Portfolio Recovery has not called me for a while but has but has started again about a debt that I do n't owe. The most recent numbers that they are harassing me from are ; XXXX on XXXX/XXXX/15 XXXX and XXXX XXXX/XXXX/15 at XXXX. I have blocked XXXX phone numbers that have called at all hours of the day and night, most are from portfolio recovery. I do n't want them calling me a XXXX times a week as they did earlier this year to threaten to kill me if I do n't pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2015 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I purchased an item that I never received using XXXX XXXX 's website and it 's retailer credit card. I was told that the purchase would go into dispute, but someone made a mistake and it never did and subsequently the amount owed went past due and collected interest. It was then reported to the credit bureaus. I have since asked XXXX XXXX 's credit services to refund this amount, and again it is in dispute and has been reported in that manner. XXXX were cooperative and changed my information regarding that account accordingly. Experian, however, has refused to update the information and has left the negative information regarding my standing with XXXX XXXX despite having disputed it with Experian XXXX times. I attached the following letter to my latest dispute but they have responded by saying it was updated, but the information remains the same as previous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Logged onto Chase to pay my mortgage in XX/XX/2016. I made the payment. It appeared to have gone through. One month later I received a late payment notice by mail. Chase did not call me or send a reminder letter. Now I have a {$59.00} late charge and a late payment notice on my credit. Immediately went online to pay after receiving the late notice, logged in the payment. Again it did n't take. Called Chase direct and paid it that way. We never had any sort of problem when XXXX XXXX had the loan for the previous 4 plus years, prior to Chase taking over. 
It seems like Chase is setting borrowers up for failure so they can make extra money on the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I began receiving harassing phone calls on the XXXX of XXXX. The company, Asset Recovery Associates, said that I owed a credit card debt from 92. I did not have any credit cards in 92. I was in fact homeless. The address they gave was a family member. When I tried to explain this to the man he screamed at me and threatened litigation. I talked to him for awhile. He offered to cut the debt by XXXX. He began to double talk. I ended the call making him think I would pay.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was told by the leasing agent of an apartment complex that there would only be a {$600.00} penalty if I broke the one year lease. This would be paid by surrendering my security deposit which was {$600.00}. there was no mention of a Buy-Out Option Settlement agreement at the contracting phase. However, upon giving my thirty-day notice four month into the contract, I was asked to sign a settlement agreement for {$3100.00}. I lined-out that amount and wrote into the agreement the {$600.00} that I was quoted upon leasing the apartment. The apartment manager approved the agreement form as modified with her signature, and then took the {$600.00} deposit as payment. Two months later, however, I was contacted by a collection agency claiming that I owed the apartment complex {$3100.00}. I sent them the modified Buy-Out agreement for the {$600.00}, and the notice that the {$600.00} had been collect by the apartment manager. Since then, I have been constantly hounded and threatened by the collection agency for the last five months attempting to collect a much larger amount of {$6800.00}. I am now being threatened to have my good credit destroyed by placing this false delinquency with the three major credit bureaus. I 'm asking your agency to advocate for me in this matter so that my good credit will not be effect by a overzealous collection agency, and have the unjust harassment stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it on the news. Especially when this is a company that I did not choose to do business with. They should be held to higher standards.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've disputed this information 4 times already with the credit bureaus and have proven that they are reporting it incorrectly and nothing is being done. I 've also made complaints with the XXXX for my state. I am tired of receiving the same letter over and over again in response to my disputes just disregarding what I am saying to them. I require the physical, firsthand knowledge, proof, that they are reporting this correctly, or it must be removed immediately and permanently. This is made available to me under section XXXX as well as XXXX. I also did not give my permission for this information to report on my credit file pursuant to section XXXX. 

Here 's the info that I am disputing : XXXX XXXX XXXX XXXX # 1 The filing date that you have listed is NOT the filing date that I am looking at on the petition # 2 the docket # that you have listed is wrong : there are NO LETTERS in the docket #! 
# 3 you have the court name, city and state abbreviated and you must have this listed accurately and completely and it is NOT XXXX XXXX # 1 the company name must be listed in a manner that I can understand and not just lazy acronyms # 2 the open date for XXXX states XXXX/XXXX/XXXX, Experian states XXXX and only XXXX of you is correct # 3 you have this account listed as included in a bankruptcy and it was NOT # 4 all of the lates that you have on this account PRIOR to it be " included in a bankruptcy '' are incorrect and inaccurate and all payments were made in compliance with negotiated schedule, so I require the documentation that you have in your files that prove that you are reporting this account correctly and completely. 

XXXX XXXX # 1 the company name must be listed in a manner that I can understand and not just lazy acronyms # 2 You have that I was 30 days late in XXXX of XXXX and I 've already notified you that I was NEVER late in XXXX of XXXX and that the other XXXX bureaus have me reported as paying on time which means that either XXXX of them are wrong or YOU are wrong

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 11-09-2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I received a random phone call and was told this company Equitable Acceptance could give me complete student loan forgivness if I paid them {$42.00} for 14 months. This would be the only payment I would have to make instead of several student loans. They told me I had 48 hours to make my mind up. I made the mistake of giving them my banking information and thought they would help me. Turns out the information they gave me was false. I got a real student loan bill form XXXX and wondered why I had to pay them as well. I called XXXX and they advised me I had been given false information and was in a scam and needed to call my bank. I changed my account number and the bank said they have saw this all before. I also called Equitable Acceptance and they told me I had to either pay {$42.00} a month for 4 years or pay {$600.00} within 3 days or I would be sued. This is a scam and I think it is disguisting. I want nothing to do with Equitable Acceptance. They prey on the poor middle class who paid thru school. I have enclosed the bank slip where they took the {$42.00} out on XXXX/XXXX/XXXX and it was even called a loan payment.This is a fraudulent company for sure. I want them out of my life. I gave personal information to a scam company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation