milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan through caliber home loans and have XXXX as a payment reduction plan. 
I have made several attempts to contact caliber due to the fact that they are not paying the funds properly. Caliber pays the payment forward instead of reducing the principal of the loan. This has been going on for several years now. I call them and caliber will comply for a month or two and then go back to the same problem again and again. So I called XXXX to resolve this and have an audit performed as to insure my funds are being applied in the proper manor. Just as with me caliber keeps rotating staff so as to make it impossible to speak to a complaint person and refused to comply with XXXX to provide the nessasary documentation to allow this process to be completed. I called caliber at least 6 times and XXXX has sent repeated letters via email and even had a conference to insure that it was OK to provide this information to a secondary company for security reason. Now I 'm at the end and this is why I contact you. I have nowhere else to turn. I 'm trapped between XXXX large companies that keep placing walls that I can not get through. Caliber will not comply with XXXX even after all the attempted contacts were made and both companies have full documentation of all attempts, calls and emails that have been sent or made.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Payday loan) with QC HOLDINGS INC (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The Payday loan lender QuikCash XXXX MO contacted my friend about my payday loan and gave him explicit details about my loan. When I got it, how much I owed, and told him that he should help me pay it. This is unacceptable behavior as this is personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit reporting () with CORELOGIC INC (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: credco continues to spill out nothing but lies. they continue to insist that their report to quicken indicated no bankruptcy. yet I have in my possession not XXXX, but XXXX rejection letters using now what can be considered to be bold faced lies. at this point it is now criminal in nature. the fbi should investigate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Other debt) with Penn Credit Corporation (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This collection agency was asked to remove this collection from my credit report after being paid in full and has stated that they could not remove this item. That was an un-true statement. Other collection agencies have removed the collections from my report after being asked to when paid in full. This collection agency is being difficult for some reason. I am no longer liable for this utility account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (I do not know) with Executive Acquisitions Group, LLC (AL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I continuously receive threatening phone calls from some man named XXXX XXXX. He claims to be an investigator for EA Group. He calls from a private number. He has contacted my employer & left messages with co-workers stating I 'm in trouble, I have a criminal felony fraud case pending. He has even called family members and friends with these bogus shenanigans. He states he has a court order to serve to me. He then gives me a phone number to call : XXXX. I called and requested that they stop the calls and threats. The lady I spoke with their only said I will be going to jail & wished me luck. She then disconnected the call. I am receiving these calls constantly throughout the day at work, on my cell phone & they are even harassing my relatives.

Company response to consumer: Closed
Consumer complaint received 07-05-2016 about Mortgage (Other mortgage) with BOK FINANCIAL CORP (OK).
Issue: Application, originator, mortgage broker

Complaint: Applied for home loan to purchase a home in XXXX 2016, was sent a pre approval letter. Submitted all required documentation as requested, as well as paid for appraisal. Was told multiple times that all looked good for XX/XX/XXXX closing. Was continually asked to resubmit documentation, which I did. 
Received a call 2 days before closing stating that our loan was denied, due to the fact that we paid rent with cash for four years to the same landlord. 
The landlord had provided 6+ months of rent receipts as well as a letter stating, that we paid cash each month, landlord also filled out BOK form sent to her stating the same. XXXX XXXX, the contact at XXXX that I was working with was very condescending from the get go and only got ruder as time went on as if she did not want to have anything to do with us. 
Fast forward to XXXX 2016, we have gone on to speak with a different mortgage company and repeated the drill, providing documentation, etc. 
they as well as I have requested the appraisal be transferred to them from BOK and XXXX XXXX refuses to do so. So we are now having to pay for another appraisal on the same property that was just appraised XX/XX/XXXX. 
Of note when I was unable to get XXXX XXXX to transfer the appraisal and my husband called to request the same, XXXX XXXX was extremely rude, condescending and in fact hung up on my husband.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-08-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: After my credit information was compromised by the state of South Carolina we were offered free credit protection for one year. We opted for the protection so that no credit could be issued to me unless I was physically present. A few months later ( today, XXXX XXXX ) I visited my local verizon store to get a cell phone plan. XXXX needed to verify my credit in order to determine if a deposit was necessary. XXXX used equifax to verify my credit. 

At the XXXX store I called Equifax and requested that they allow a credit inquiry. I verified all of my personal information and they agreed to lift the freeze on my account and provided me a confirmation number for the action : 1. After the first call at XXXX the freeze was not lifted from my credit and my XXXX application would not go through. 
2. After the second call tHe equifax rep said that they would now lift the freeze. 
3. After the third call the equifax rep said their system was down and to call back in 30 minutes. We waited and called back. 
4. after the fourth call the equifax representative said that their system was rebooting and requested that we call back in one hour. We waited the time and then called back. 
5. After the fifth call they said the same thing. So we waited an hour and called back. 
6. After the sixth call they said that their systems were up and the credit freeze was lifted. It was not. 
7. After the seventh call ( now XXXX XXXX ) we were transferred to XXXX who works for equifax in XXXX in the XXXX. XXXX simply said that the credit was unfrozen and that XXXX could call some other number. XXXX called and also got no where with equifax. 

Equifax literally held my credit hostage. They cost me and my daughter an entire day 's work. My daughter 's time is worth $ XXXX and while I am retired my time should have a reasonably equivalent value.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On are around XXXX/XXXX/XXXX I filed a dispute with Experian Credit Agency ( ( Exhibit XXXX ) that were mail by certified mail ( Exhibit XXXX ). On or around XXXX/XXXX/XXXX I received a some what intimidating letter from Experian ( Exhibit XXXX ) that did n't address the dispute so I did n't response by phone or letter. On or around XXXX XXXX, XXXX I send another letter certified to Experian ( Exhibit XXXX ) informing them what the FCRA say about what suppose to happen if they did n't complete the dispute process in 30 days ( Exhibit XXXX ). As of this 21 day of XXXX XXXX all I received about my dispute from Experian Is a threating letter. I will mail all supporting documents

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Car was voluntarily returned to the finance company in which they sold the car and collected funds from the sale. They have yet to update what is being reported to my credit report. The balance and current status 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 04/25/2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am applying for a mortgage loa n with 5/3 Ba nk through their physician program. I offered {$250000.00} on a property. The appraisal came back at {$220000.00}. We are currently disputing, but the appraisal was poorly done and I believe was biased. The appraisal includ ed 2 properties that were listed, not sold and on the market over 90 days and a short sale when there wer e other, more comparable, properties that had recently sold. These were even provided to th e appraiser by the seller 's  agent. The property is located on the south side of  XXXX  in a traditionally low-income neighborhood. It is my impression that the bank and th e appraiser are allow ing their own implicit biases to come into play with regards to this loan. I do n't think the bank wants to invest in a neighborhood like  XXXX  due to its demographic. I find this unethical and inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX a withdrawal of {$40.00} was made from our account at a Chase bank. It was not done by either person on the account and neither of us has lost our debit card or our IDs. The person was allowed to withdraw money without having even having the account number. When we saw the withdraw that day we called customer service and we were told we needed to go into the branch but they would not tell us which branch so we hung up and called again and the second rep told us which branch. On XXXX we went into the branch to file the claim and we were told that anyone could take out the money without ID, it just depends on the teller. They said they would get back to us in 5 business days and for us to take the money out of the account until there was a resolution. They also told us that we would only get to see the footage if we filed a police report. We filed the police report with the XXXX XXXX county sheriff. On XXXX they charged us a {$12.00} fee because our balance was below XXXX since they told us to take the money out. We called Chase back on XXXX and they told us it would take 30 days and that we would not get the fee reversed. And on XXXX we called them again for an update and we were informed that our claim was denied because the signature on the withdrawal slip was similar. They did n't even bother to call us. The teller said no cameras were checked and they only went off the signature. So this person walked in with no ID, no proof of address, no account number and walked out with our money and Chase wo n't even check the cameras but they will charge us a fee for doing what they recommended.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XXXX XXXX,2017 I called into Equifax to dispute a collection that I have disputed multiple times because the account has not been verified as mines. I spoke to representative XXXX and let her know I tried to file a dispute online but its saying the information I provided was inaccurate. She then stated to me because I have dispute the account multiple times there is nothing she can do. I told her I have proof that XXXX and XXXX has deleted the collection account and she stated it didnt matter. I let her know I just wanted them to follow suit and at least look into my proof and ultimately get the collection account deleted. She stated she couldnt do. Equifax customer service is horrible and I would that because they are going through a lawsuit that they could at least look into what Im asking but I dont think they care. If Equifax does not follow suit and remove the collection account I will go to the next step of filing a complaint with the BBB or ultimately file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I requested credit from XXXX XXXX XXXX. They denied me. On their denial letter they listed Experian. 

I went to the Experian site to obtain my credit report. I tried 11 times in a row and was rejected 11 times. the site flat rejected me the first few times then it asked me to prove my identity I tried to upload my Drivers Lic. and utility bill. Experian 's site was not able to upload ~ 30kb of data. I was rejected again. 

I believe the repeated rejections are a deliberate design feature of their website to force citizens to pay to obtain their own credit information. 

I. Am. LIVID!!! I am well educated and know how to use the web. Experian ought to be pounded through a bung hole left in the barrel for a week and then drawn out through the same hole with a sharp hook! XXXX! those people are Jerks! And security concerns have ZERO to do with their designed blocking of ME from MY information!

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 05/26/2016 about Credit reporting () with MicroBilt / PRBC (formerly CL Verify) (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Microbilt- Re Inquiry I have tried working with my creditor in regards to an Inquiry. I have disputed Inquiries twice with the bureaus and extended the process two times, 30 days each time. The bureaus have sent letters to me saying to dispute it with my creditor. I have not had any responses from the creditor. My creditor has not responded to my letters. Therefore, I have reached an impasse with the creditor and need your help.

Company response to consumer: Closed
Consumer complaint received 07-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: This is now my FOURTH complaint regarding ELAN. First, the account was believed to have been applied for fraudulently and an identity theft complaint was filed. Second, there was no recollection of the account at all - resolved in that it was previously under another name ( XXXX ). Third complaint was that I never had possession of actual credit cards to be used for purchases. The response to this was that there were purchases made in my name. I do n't know how else to get through to ELAN that I have never been to any of the places where airline tickets were purchased for etc. I DID NOT make these charges. The statements that they sent also show payments which I also DID NOT make. To complicate matters, they have assigned an investigator at ELAN who I can NEVER get a hold of. These are n't my charges, payments or account after the initial charges only to XXXX XXXX XXXX prior to XXXX. I am livid that I ca n't explain to a person what I have described above. US Bank is just using big bank tactics to harm me and my credit. And in doing so is costing me more money and more time. I do n't know what to do to get this off of my credit report. Perhaps I should do a press release about US BANK. That probably would n't get through to them either.

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 10-04-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MA).
Issue: Managing the loan or lease

Complaint: An auto loan of {$17000.00} was taken out on a used vehicle. 
The vehicle was a total loss on XXXX/XXXX/16 due to a XXXX. 
XXXX/XXXX/16 Ally bank fraudulently quoted XXXX XXXX an outstanding loan balance due of {$25000.00}. 
The same day XXXX XXXX issued a payment to lien of {$25000.00} to Ally bank The outstanding amount was actually {$16000.00} which was credited to the account XXXX to pay off the car in full. 
Ally Bank owes me ( $ XXXX {$16000.00} ) = {$9100.00} since XXXX/XXXX/16 over 30 business days since the loan was paid in full. 
I have spent over 10 hours on the phone with Ally Bank which has as of today XXXX/XXXX/16 has said they have not prrocessed any payment to me. My rental car insurance ran out weeks ago. This is outright fraud on the part of Ally Bank. I have no assurance they will ever pay me the money they owe.

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 05-04-2016 about Credit card () with NAVY FEDERAL CREDIT UNION (CA).
Issue: Delinquent account

Complaint: Hello. I am submitting a complaint about Navy Federal Credit Union. I was XXXX majority of last year and was highly unable to handle my credit card bills due to bad bandwidth and our location restricted me from having internet access. I was unable to pay my bill so they ended up closing my account with sending me any notices, along with closing my account with them. Now I am paying on a credit card that is supposedly closed but I am still paying on it. I would like the late payments removed or the entire credit card reopen. if not, removed entirely. I never received any notices while underway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I mailed letters to XXXX XXXX XXXX AND XXXX XXXX for three collection accounts that I stated I did not open. The three accounts were for XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX. I requested proof of these debts to validate and verify and the only documentation that was sent to me was a statement and a balance that was on the account. There was no signed contract showing the account was mine. XXXX has since deleted these collection accounts because debt could not be proved.

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 03/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello Please understand that Select Portfolio Servicing refuse to modify my loan in order to keep my home because i had a PO Box as my mailing address. 
As of XXXX/XXXX/XXXX Select Portfolio Servicing placed me on a HAFA Short Sale since they denied my loan modification application, Select Portfolio Servicing placed a value inspection thru a Brokers Price Opinion which it came back at {$380000.00} After several months under review As of XXXX XXXX Select Portfolio Servicing order a new Brokers Price Opinion hiring a new company to perform the evaluation, A few weeks later, the new report came back at {$550000.00} as the new value. 
As of XXXX XXXX i disputed the value since it did n't make any sense that the value increased almost {$200000.00} in just a few months. 

Select Portfolio Servicing refuse to take the report that i prepared for them to dispute the value, i spoke to a manager from the ombudsman dept. who told me that in order to dispute the value i will have to pay for an appraisal out my pocket. 
So i did, i paid for a Licensed appraisal to go out to my home and confirm the value, a few days later i received the full report showing that the value was {$400000.00}. 

Now Select Portfolio Servicing is refusing to use the Appraisal that Select Portfolio Servicing forced me to pay for in order to dispute the value, i requested for a manager since this is ridiculous that they keep providing me with misleading information and now they just refuse to help me avoid foreclosure. 

Please help since all im trying to do is now sell my home in order for me to avoid foreclosure. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I am a victim of Identity theft. A account was open on or around XX/XX/XXXX with XXXX that I did not authorize nor did I make. I have contacted all the credit bureaus letting them know I am a victim of identity theft. A police report has been filed with the XXXX XXXX XXXX Sheriff Department Report # XXXX on XX/XX/XXXX for Identity theft. I have also filed a complaint with The XXXX ( XXXX ) is a partnership between the Federal Bureau of Investigation XXXX FBI XXXX Complaint Id : XXXX I have filed a complaint with the Federal Trade Commission Reference. I have disputed it with all three credit bureaus and Cash call directly letting them know I did not open this account and that I a victim of ID theft and requesting that the account be removed as it is not mine and they still keep it there. Equifax & XXXX wont remove it.

Company response to consumer: Closed with explanation