milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2017 about Mortgage (FHA mortgage) with MIDFIRST BANK (OR).
Issue: Trouble during payment process

Complaint: I have an ARM with this company. They bought my mortgage from XXXX awhile back. They are supposed to review my mortgage and adjust it according to the rate the XXXX raises. The XXXX raised rates .25 % this year and I got a letter saying that my rate was going up. A week later I got a letter in the mail saying they made a mistake and my rate was going up another .125 %. They have raised my rates every year and now I 'm almost at the rate for a 30 year fixed mortgage. I believe they are using the doctored paperwork they got from XXXX and I want a 100 % audit for the time they have had my mortgage, I want a copy of the paperwork they are using to calculate my rate to compare with my original paperwork and I want them to sell my mortgage to a competent company. They proved that they ca n't handle their work. They have ignored my repeated attempts to contact them. I 've sent four e-mails and their offices are only open XXXX to XXXX Central time. I work swing shift on the west coast so I can not call them before XXXX Pacific time. To sign up for an online account they require that I enter my SS #, which I will not do.

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 03/23/2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX They call repeatedly and say they have an important debt-related issue to discuss with me. I have no debt issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Struggling to pay mortgage

Complaint: I have been trying to get either a loan modification or an alternative for foreclosure since I got behind on my mortgage payments. However,  Ocwen Loan Servicing, LLC ( hereinafter " Ocwen '' ), my lender has not made the efforts to he lp me. I have submitted a complete loss mitigation package by  XXXX   XXXX ,  XXXX , at le ast 8 busines s days before the schedule sale. But,  Ocwen  asked for more documents that they already had in their possession around  XXXX   XXXX ,  XXXX . On  XXXX   XXXX ,  XXXX , I received an email telling me that it is impossible to stop the sale date because there is not enough time for a review. My husband and I have settled the second loan. Please see related information regarding this second loan settlement. We can work on a short sale or a deed in lieu of foreclosure now that the title is clear. However, we need our lender to allow more time to explore these options.

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 07-11-2017 about Debt collection (I do not know) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Filed with the Better Business Bureau asking for validation of this account as well as have spoken to the company. The company told the BBB that they was sending information. The information received was them asking for all of my personal information. I advised the BBB that what the company sent was a letter wanting all of my personal information. I want this removed from my credit bureau files immediately. The company is using a stall tactic and not responding with a full validation, instead trying to get me to send them my information instead.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am unable to get my credit report from any of the three companies. I can not therefore place a fraud alert on my credit file, and I have reason to believe my identity has been stolen. ;

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name XXXX XXXX XXXX, and Bank of America is reporting an account that is not mine. I have done several disputes with all XXXX credit bureaus and XXXX and XXXX have deleted the trade line but XXXX has not. The account number being reported is Bank of America # XXXX, opened on XX/XX/2006, and the balance is {$11000.00}. I have even filed a police report in the city of XXXX Texas and sent this to Bank of America but the trade line continues to reflect on my credit and it has affected me so negatively that I am not able to purchase my home. I would appreciate any assistance you can provide since I have exhausted all other avenues in getting this removed from my credit report. Regards. XXXX 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 12-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Delinquent account

Complaint: this credit card was my credit card but someone also used this card with out my permition I called capital one they have told me that they are going to mail me staments which they have n't any please have then remove judgement and credit bureau since this a fraud in this account

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NELNET, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: It was on XX/XX/2009 I take a student loan to go back to school the school closed by the board education .this my responsible to pay the loan. In my request as many times explain to Depted Nelnet to help me resolved his situation. And keep going up in credit reporting. 
Please wanted help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (CA).
Issue: Managing the loan or lease

Complaint: Thank you for using the XXXX Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXXXXXXXXXX print a copy of this for your records. 

Filed on : XXXX XXXX XXXX by : XXXX XXXX XXXX XXXX XXXX CA XXXX against : TD Auto FinanceGiving me the run around and not processing my pay Payoff. XXXX XXXX 2015 I called TD Auto Finance to inquire about my balance on my XXXX XXXX XXXX. Account number XXXX They gave me the amount. I got a check from Credit Union ( XXXX XXXX ), I called TD Auto Finance back on Friday XXXX XXXX 2015 to get the proper address for express mailing Auto pay off. I mailed the check and preceded to call back on Friday XXXX to see when the title is going to be released, I was informed that my regular monthly payment is past due, I said how is that when I just paid off my loan. The agent put me on hold and then came back to the phone and said the check will be returned, because it was not signed but it was signed and it was made out to TD auto finance and my husband with my account number on the check. I asked the lady why did n't any one call me or let me know? She could n't answer me, I was in shock what if I had not called? The agent was very rude she hung the phone up on me. I called back on Wednesday XXXX XXXX and the same thing your account is past due, I said I sent a check to payoff my account and you said its gon na be sent back for signature. I was told that the check is now going to be sent to my credit union and If I do n't make my payment by XXXX XXXX I will accrue more interest. Since the XXXX of XXXX I have been trying to settle this matter. 
I want them to find the check and close my account for the amount first quoted to me. And I will never ever purchase another XXXX vehicle from them again. My husband and I have been loyal customers for years but this was the last straw. This was the XXXX time we have been burned by this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have continued to submit XXXX checks each month to Navient ( XXXX for my federal loan, XXXX for my private loan ), just as I have done for the past 15 years. Starting approximately four months ago, Navient has sent me a form letter informing me that they have taken it upon themselves to reallocate a portion of my payment from my federal loan to my private loan without my consent and I pay more than the minimum. The interest rate on my federal loan is higher than my private loan, so it is obvious why Navient keeps doing this. I have written them letters and called every single month. Each month they tell me they do n't know how it happened and insist it is just a clerical error -- but yet it keeps happening no matter how many phone calls or letter I send. I have had it. I have honored my end of the contract -- Navient is a simply negligent and/or dishonest loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (I do not know) with National Enterprise Systems, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving a call daily for a couple of months from National Enterprise Systems. They leave a message on my answering machine to call a number from a debt collector. Since I have no outstanding unpaid debts, I do n't answer or respond to the call. The number they ask me to call is : XXXX. The call, today, came from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Collection Agency letter from XXXX XXXX   sent to my XXXX XXXX but name incorrect. That agency is wanting money for a XXXX USA phone bill. We have never had XXXX  account therefore do not owe anything. The problem is when checking credit agency bureau, a SOFT INQUIRY into my credit shows up from XXXX  XX/XX/XXXX and another inquiry from XXXX XXXX on XX/XX/XXXX. We are concerned about damage to our credit history/score from unknown person using our address. The scammers name is listed and similar to my own, however the XXXX XXXX has been in use by me for 20 years and the Soft Inquiries appear on our XXXX credit reporting agency report. There was also a phone call to my wife 's cell phone number XX/XX/XXXX wanting payment.

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 09/30/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: They have person information on my credit report that is inaccurate. I would like to up date and remove any person information that is n't current. Names, address and phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Customer service / Customer relations

Complaint: I have a complaint about a purported denial by AMEX of a credit card application, which I did not submit and which was indisputably generated as a result of a computer glitch. Even though AMEX staff recognize that the denial was triggered by a technical glitch, they have refused to withdraw or amend the letter of denial on the ground that the letter was machine-generated. A letter of complaint which I addressed to AMEX on this matter has remain unanswered. A copy of the letter is herewith attached. Not satisfied with AMEX 's failure to respond to my letter of complaint, I have taken the advice of the AMEX staff and torn up all my AMEX cards. I take exception to the unsolicited letter of denial which I have received, the deliberate falsification of the record by AMEX and the potential adverse impact of a false letter of denial on my personal record.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Bank account or service (Checking account) with PAYPAL HOLDINGS INC. (MD).
Issue: Using a debit or ATM card

Complaint: PayPal closed my accounts and refused to reverse XXXX unauthorized transactions. My mom used my XXXX account to pay for her bill with XXXX but forgot to add her own debit card. This resulted in XXXX unauthorized transactions in the total of $ XXXX. I talked to XXXX and they 're ok to have my bank pull the funds back or they can issue me the check but it wo n't cover service fees from XXXX and suggested that I talk to my bank. I did and they said according to the user agreement that I signed when I opened the accounts. I agreed that I will not share any information with anyone. And their definition of 'Unauthorized Transaction ' states clearly that transaction that the user did n't get the benefit from will be count as an unauthorized transaction. I filed a complaint with XXXX but they could n't do anything. 

Other info : XXXX Acc # XXXX [ obtained from XXXX ] Transaction # [ obtained from XXXX ] 1. XXXX XXXX/XXXX/2016 {$1200.00} 2. XXXX XXXX/XXXX/2016 {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (I do not know) with Critical Resolution Mediation LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted by this group in XX/XX/XXXX and spoke with XXXX XXXX who stated I had an " installment '' loan. I requested a validation letter, which he emailed me. It had no recognizable information and I replied with a letter stating this was not my debt and to please cease collections. I got THREE CALLS today from a woman representing the same company, she was rude and harassing. I stated I had returned a letter disputing the debt and she said it " did n't matter '' and that if I did n't pay TODAY I would be sued. Left an additional voice mail again stating that if I did n't pay today, I 'd be sued. I believe they are aware this is a false debt and are still issuing threats to attempt to collect.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Caliber Home Loans, Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have made several attempts over the past few months to have Caliber and XXXX to accurately report my on time payments on my credit file to no avail and to date, I have been unsuccessful. Caliber 's last report date was XXXX XXXX, 2017. Is there a reason why XX/XX/XXXX and XXXX 2017 reporting was n't made on this date ( XXXX XXXX, 2017 ), when in fact Caliber is responsible for reporting on the XXXX of each month? Per my reporting via XXXX pulled on XXXX XXXX, 2017, XX/XX/XXXX and XX/XX/XXXX payment status reflects " NR '' while XX/XX/XXXX, XX/XX/XXXX and XXXX 2017 were left blank without a reporting status. XX/XX/XXXX - XXXX 2017 should all reflect as " paid on time '' not NR for No Reporting or left blank. This is an on going issue that has not been directly addressed. My concerns are " specifically '' geared towards the above mentioned months NOT anything beyond that. Again, I am requesting that Caliber correct and update the reporting of my on time payments for the months of XX/XX/XXXX - XXXX 2017. See the attached supporting documentation. Please do not respond with a letter that does not specifically address my concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2017 about Vehicle loan or lease (Loan) with Go Capital Holdings, LLC (NC).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: GoFinancial stated they placed my vehicle out for repo at 63 days past due. They acknowledged that they NEVER SENT A RIGHT TO CURE LETTER. THIS IS ILLEGAL.

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 03/30/2017 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This letter is regarding account # XXXX, which you claim I owe {$3300.00}. This is a formal notice that your claim and validity of this debt is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you on this charged off account. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in " counter claim '' small claims legal action against your company at my local venue. 

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX, Texas XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Account opening, closing, or management

Complaint: Due to several times of having both bank savings and checking accounts being hacked, Wells Fargo, without any notice, froze out both my checking and savings accounts the week beginning XXXX XXXX. They said that my account would be liquidated by XXXX XXXX and any remaining funds would be sent to me. 
Therefore, any outstanding checks I had written were not honored by Wells Fargo. Luckily there were only XXXX checks. I was able to contact the XXXX of the XXXX companies in which I had written checks. However, XXXX returned ( XXXX ) checks that were both written on XXXX/XXXX/2016. XXXX automatically charges {$30.00} service charge for both checks. 
I understand XXXX policy and do not fault them. However, I do take exception to Wells Fargo for if they had allowed any outstanding checks to clear, this would not have happened. 
Wells Fargo should return the {$60.00} back to me in addition to the money they still owe me as well as what was taken out of my savings account ( already wrote to CFPB on this in a previous complaint ). 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 monetary relief
Consumer complaint received 01-11-2017 about Consumer Loan (Vehicle loan) with Peroutka, Miller, Klima & Peters, P.A. (TX).
Issue: Problems when you are unable to pay

Complaint: I defaulted on a car loan in XXXX. The car was repossessed in XXXX. On XXXX/XXXX/XXXX, I was informed by my HR dept that I have a wage garnishment from the agency of Peroutka, miller, klima and peters, XXXX md XXXX. I have never received any prior notice this action was going to take place. I never received any notification that court action was going to occur. This matter is over XXXX years old. I believe the statute of limitations should apply. I would like to file a complaint against this company and try to stop the garnishment. The lender for the original loan is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: They are reporting the same account on the credit 3 times making it appear as if there are XXXX seperate loans

Company response to consumer: Closed with explanation