milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with Caliber Home Loans, Inc. (TX).
Issue: Trouble during payment process

Complaint: I had a Texas XXXX XXXX XXXX XXXX with XXXX that started in 2008.Since that time many of my payments were applied to interest only which is a violation of Texas Home Equity Law. I will attach a letter and other information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Debt collection (Medical) with Debt Recovery Solutions, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received XXXX different letters from a company called Debt Recovery Solutions LLC ( XXXX ) with a name of the recovery specialist XXXX XXXX and each letter states that I owe {$100.00}. I thought was the same letter but repeat, when I called to pay the rude people that answered the phone never gives the specifici information and they only say that I have XXXX differn accounts that I owe for XXXX hospital when my debt with the hospital was only aprox. {$100.00} ( and I have trhe proof ). The person mention in the letter does not exist, that is what the last person that took my call said. The {$300.00} they are tring to collect is not true and this company nevers wants to be specific when I called and ask for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Debt collection (Medical debt) with Grant & Weber (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: on XXXX/XXXX/XXXX XXXX XXXX XXXX collection agency put a collection on 3 of my credit bureaus and i have contact them and told them that account does n't belong to me that i never been there but i ca n't proof them that its not my account, because of that my credit is ruined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with ONLINE Information Services, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The response was removal of a collection with XXXX, XXXX and XXXX XXXX staying on my report despit no verification. 

On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The result was XXXX XXXX staying on my report despite no verification or communication to me. 

On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me and Im anticipating the results. 

All correspondence on my part were sent certified mail so I know that they were received but this account with XXXX XXXX has yet to be proven to belong to me but wont leave my report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Wells Fargo opened a credit card under my name which i never applied for. Wells Fargo charged my account fees for that credit card. Wells Fargo ruined my credit by opening a credit card and opening accounts under my name which were never authorized.

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 monetary relief
Consumer complaint received 02/14/2018 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: Information belongs to someone else

Complaint: I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX The listed items are completely fraudulent and were not opened by me, and is a very serious error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Taking out the loan or lease

Complaint: Capitol One 360 keeps changing what I owe on my loan and they also changed my mailing address on there website. They changed it to a P.O. box I know longer use and I never even told them I had it. It shows on my credit report that I have on and thats it. Im still at the same address as the one from when I purchased the vehicle so its a little scary that my address just changes like that. The credit bureaus are reporting a different amount than I owe and Im getting notices that my car loan increased.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Debt collection (Mortgage debt) with JPMORGAN CHASE & CO. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XXXX XXXX, XXXX CFPB : XXXX sub-contractor XXXX XXXX stole, from XXXX XXXX XXXX, XXXX, IL XXXX, my plats of my Homesteads XXXX XXXX XXXX and XXXX XXXX XXXX, both in XXXX, IL XXXX, and refuses to return them to me or surrender them to the State of Illinois Treasurer under the Illinois Unclaimed Property Act. 
I need JPMChase to supply me plats of my Homesteads. 

XXXX XXXX XXXX, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NH).
Issue: Managing the loan or lease

Complaint: Chrysler Capital refuses to send me a monthly statement. After I realized it was overdue, I tried to call the phone number of my previous statement but it would n't accept my account number and I could find no way to reach an actual person. 

When I asked about this using their online system ( apparently they do not accept e-mail ), their response was to call that number. 

When my next message explained that the number did n't work for me, their response was to use online chat. 

When my next message said I had no Internet access and online chat at a public computer was n't appropriate, they said they had no way to send me a statement and again said I should call the number or use online chat.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I took out a Home Equity Line of Credit with HSBC in the amount of {$33000.00} on XXXX/XXXX/XXXX. I made payments as agreed and in about XXXX began making extra principal payments monthly. The loan was paid off XXXX/XXXX/XXXX. Over 11 years, the principal was only reduced by {$7300.00} despite the fixed interest rate of 8.55 %. In many months where extra monies were sent, that was the only amount deducted from the principal -- the rest was applied to interest. Many errors were made in charging fees not applicable to my loan ( Line Maintenance Fees ) ; in XXXX XXXX, the balance owing was raised by {$740.00} after a payment was made ; payment amounts were n't always applied correctly ; late fees were sometimes charged even though most payments were made early. Calls and/ or letters were n't responded to properly and supervisors would n't return calls. 
From what I can determine from the last 4 years of statements that I have, a minimum of {$1700.00} was charged to me in error. Additionally, the final payoff figure showed I was charged {$870.00} in interest and I 'm not sure why that would happen. I paid the amount they said I owed just to be able to get rid of the loan since it was apparent it was never going to be paid off no matter how much I sent in extra payments, nor was anyone at HSBC going to address my complaints or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Mortgage (Other type of mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Struggling to pay mortgage

Complaint: We are processing a short sale wi th Fifth Third B ank. On  XXXX   XXXX ,   XXXX  , they issued a counter offer of {$190000.00}, and we initiated a value dispute. On  XXXX   XXXX , the value dispute was completed and the market value was reduced to {$170000.00}, which is the EXACT amount of our offer. I asked if we could proceed with this offer and received no response. I emailed our representative  XXXX   XXXX  again on  XXXX   XXXX  asking if we can proceed and received no response. On  XXXX   XXXX , I calle d 5th 3rd  and spoke to  XXXX  ID #  XXXX . She confirmed value of {$170000.00}, but showed nothing more recent than last week so reached out to the " specialist '' working on the loan/offer. He could n't reach him but gave me his direct contact info for  XXXX   XXXX  yet again. On  XXXX   XXXX , I emailed  XXXX   XXXX  asking if we can proceed with the offer and copied his supervisor  XXXX   XXXX . I FINALLY received a response from  XXXX  indicating the " investor '' has reduced some fees, but did NOT indicate who the investor is. I emailed him back requesting this information, but AGAIN no response. On  XXXX   XXXX , I emailed  XXXX  the requested documentation and informed him I did not have approval to reduce the fees, since we were not informed of the investor. I received the following response from  XXXX , " The review on the file is halted until the settlement statement has been adjusted to allow for investor review. '' When I asked him to clarify this statement. He responded, " Until the seller provides a settlement statement that meets with the investor guidelines and directives then I do not see what can be done at this point? '' I c alled 5th 3rd to s ee who the investor is. I spoke with  XXXX  and asked for  XXXX   XXXX  ' supervisor since it took him a month to return my phone calls or emails and they want me to cut our fees in half without giving me any information as to who the investor is. I was transferred to  XXXX   XXXX , she said the investor is  XXXX   XXXX , and she will have  XXXX   XXXX  call me back regarding the delayed responses from  XXXX . I subsequently received approval to reduce the fees and sent the revised settlement statemen t to 5th 3rd .  XXXX   XXXX  did not return my phone call and instead sent me an email indicating he would contact me on  XXXX   XXXX . He did not call me and when I emailed him to find out when we could speak he insisted he DID call me. And argued that my loan number was wrong and he could n't find the file. I asked him to call me so that I could provide the SSN instead and he said he would have to do this tomorrow. I called in, trying to get in contact with someone who can discuss this file with me and aft er 40 min utes on hold, I was informed no one is available and I will have to leave yet another voicemail. It is completely unacceptable to refuse to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: they have reinserted deleted information on my XXXX report and claim they can not fix it period i have been battling for years to get the right information reported good things and they have just did my credit report wrong They put XXXX inquires that where removed on my report they added bad accounts i think all this was done purposely i have proof of what my accounts look like when they wiped it and when they jacked it below only thing that supposed to be on my XXXX is my good reports from XXXX and my XXXX card superior fc those account are wrong to they need to be fixed. but thats it XXXX was removed they added it back XXXX XXXX was sued and lost the added that this is just illegal! i have proof where this people just play with my credit report! span over a 3 year period

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Making/receiving payments, sending money

Complaint: I hope this complaint serves as a reference to improve the policies in place for citizens of a different country in the same condition as mine. 

I 'm a XXXX and arrived to the US two weeks ago. I 'm currently receiving financial aid from the Missouri government, to be more specific from the Family support division and I have tried to cash in unsusesfully the cheque I have received. I went to the closest XXXX store and a Bank of America branch for this purpose, and I was told that without a SSN or a US ID I could not cash in the cheque. I already applied for a work permit but it will take a few months for me to get it. Only after I get the work permit I 'll be able to apply for a SSN and that is going to take a bit longer. This is a challenging situation for someone who has been XXXX in the US and is in the process of getting the US documents. I 'm receiving the social aid cheque, but I ca n't do anything with it. There should be a special procedure for unusual cases like mine where an individual should be able to do this sort of transactions or open a check in account in a bank without having some challenging policies in place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Wrong social security # XXXX my number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2017 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: Information is missing that should be on the report

Complaint: Credit Reporting Agencies have deleted positive loan accounts from XXXX ( auto loan ) and all my student loans from history.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (I do not know) with Penn Credit Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company keeps calling my work place, and leaving automated messages asking for me to call them back. My coworkers get the call, and tell me about the " personal '' messages that sound very concerning. 

I do not want to be reached at my place of work, and I have no idea why I 'm being contacted in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have informed Experian that the XXXX XXXX XXXX Account do not belong to me. There are XXXX accounts reporting on my credit file negatively and both of these accounts do not belong to me. I have had a difficult time trying to get Experian to remove this inaccurate or fraud item from my credit file. Please assist me in getting these accounts removed from my credit file.

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 11/30/2017 about Vehicle loan or lease (Loan) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was shocked when I received my credit report and found late payments on the the dates below : ( 30 ) day late in XXXX 2017 Im not sure now this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Medical) with SCA Collections, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: numerous request validation letters to the creditors along with the credit bureaus to vadlaite this debt in fact belong to me! No one had responsed and given me any kind of information that states my signature or that I have a contract with the company. Under FCRA rules I have the right to request that information and after 30 days no response it 's must me deleted. SCA Collections has yet to furnish any proof that this debt is mine! I have also sent request to  XXXX  asking them to removed this from my credit my letter have been sent back to me I 've sent off twice. Within 30 days apart. I was told that I had to file an police report to have this removed off my credit. That does n't fit the rules and guidelines they have told me they verified the account but as of  XXXX   XXXX  I 've yet to see any documents regarding these claimed debts with  SCA collections inc one in the amount of {$180.00} SCA collection for the amount of {$85.00} SCA collections in the amount of  XXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I currently have a Navient student loan. I was given a new payment plan of XXXX $ per month that did not apply to principle at all. It actually increased XXXX $ per month. I called Navient and was dismissed. This is fraudulent practice to bait people by lowering their monthly but never paying down on the loan. I will be looking for other options.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: Capital One will not remove late payments the reported on my credit reports in violation of FCRA XXXX XXXX a ) ( XXXX ) ( G ) ( i ). I have disputed this account several time and they will not remove the late payments they reported to the XXXX CRA 's. The account was paid in full and asked them to remove the late payments because I never received any FCRA XXXX ( a ) ( XXXX ) ( G ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: all late payments and inquiry and other negative info on my report and filled complaintwith all XXXX credit bureau and never got any response in timely manner

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collection agency is not licensed in my state and I am requesting it to be deleted from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We have a HAMP mortgage since XX/XX/XXXX. It was with XXXX and sold or taken over by Ocwen Servicing when XXXX went out of business. Ocwen is a debt collection agency ; however, we have never been late on our mortgage payments.Whenever we contact Ocwen they treat us like we are delinquent in our payments, regardless of our excellent payment history. 
We have tried a couple of times to get information from Ocwen about the terms of our HAMP loan. We want to know why we did n't get paid {$5000.00} after the first 5 years for an incentive offered by HUD for HAMP loans. There is also supposed to be another {$5000.00} incentive after the 6th year as well as the opportunity to reamortorize our loan. We ca n't get Ocwen to explain anything to us about these incentives or tell us why we did n't get the {$5000.00} when we completed year XXXX on XX/XX/XXXX. They tell us we need an appointment with a representative but they ca n't get us an appointment and do n't call us back. An escalation manager on our call today told us he can call us back in a week to get us an appointment with a representative. This is the same answer we received 3 months ago from them and no one ever called us back. If they service our loan why ca n't they tell us anything about it? Are they getting paid for servicing our loan? This is unacceptable and we 're stuck with this company that is a debt collector not a mortgage company and has awful customer service.

Company response to consumer: Closed