milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (MS).
Issue: Struggling to pay mortgage

Complaint: l been having problems with  XXXX   XXXX   XXXX  now  Caliber for 5 or  6 years. Back  in 2009 i los t my job got behind  3  payments. So they told me to apply for modication. While working on it i offer to pay up but they told me not to and still getting further behind. During this process i went through several agents and got the run around. So i had to filed bankruptcy to save my home which got me further in  debt.I paid 3  and half years (  XXXX  )  XXXX  a month.So i had to get out cause i could n't afford it .Recently i been applying for modification and getting the run around. The one tlime i did get it they released me cause of no payments but i sent it and got the receipts to show. So i do n't know where my money is .Now i am trying to hold to my house while stiill getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out a loan thru Navient formerly XXXX XXXX and I have tried relentlessly to ask them to adjust my payment so that I can afford it. This has happened over many years. There working with loan holders is non-existent. At first my payments were manageable They started at around XXXX and I paid that for a year or so. Than they want XXXX and so on and so on. I have tried working with them and they say well lets do a break down of what you can pay and we see you qualify for those payments and so we did that more than once and then they come back and say well we can not do that because you do n't have enough money to pay that payment. I know they need to get paid I have no problem in that. If I could have paid more I would have but I have other student loans. I have XXXX and I do not know how many times that they made me so mad and XXXX out that I would XXXX. XXXX can lead to XXXX. I gave the phone to my wife and I can remember many times that they made her cry and did n't care as long as they got there money. Now they threaten me with going into default. My credit was good and now I do not even care about it anymore. They want us to commit to a payment I can not afford and so I pay just enough to get by. If we lose the trailer I live in cause I pay them then they will eventually get nothing because I will not have a home to go to. They have also asked at times if I could have a family member pay my payment. I hate talking to them because they just want more and more. I would like nothing more than to have the payment at a XXXX a month. It has tripled and is on the way to quadrupling since I started paying them. Sincerely Yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Mortgage (Other type of mortgage) with Caliber Home Loans, Inc. (PA).
Issue: Struggling to pay mortgage

Complaint: We have issues with our mortgage company. Our payment is always changing. On XXXX XXXX we received a letter showing that there is a shortage of XXXX. These payments were to start on XXXX to XXXX. Every month adding XXXX to our mortgage payments. Our payments are XXXX my payments were behind according to them. My bank pulled all the information on my mortgage. So I have cancelled checks and bank statements that show we did make payments. We are no way 6 months behind, maybe 2 payments. They have us being 6 months behind reporting at the credit bureau I have made out a application for a modification, but, I do have equity in my home, how would that work using the equity of my home Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Debt collection (Auto) with PENTAGON FEDERAL CREDIT UNION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i do not recognize this information this is a fraudulent account that needs to be removed asap as it was opened as a result of identity theft

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Struggling to pay mortgage

Complaint: I thought the issue was on it's way to a resolution when I received from Ditech, a Mortgage Assistance Application. After getting what was needed to send out with said application, it was sent out. Yesterday a lady came by my home and stated she was a representative for XXXX XXXX. From what I can remember, the first mortgage note was through XXXX XXXX ; later I received notice that the mortgage note had been sold or bought to/by Green Tree. Later, I received notice that the note had been sought, sold or transferred over to Ditech. Since then any letters received have been under Ditech. To have that visit from the lady yesterday, bothered, confused and frightened me, because I believed I was dealing exclusively with Ditech and the name XXXX XXXX has never been mentioned in any manner. I informed the lady that my dealings have been solely with Ditech for many years then and to the present. 

Any information you can give me would be greatly appreciated. As mentioned, it was disconcerting to now have something new come up. Thank you for your assistance. 

XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Problems caused by my funds being low

Complaint: I opened an account with Fifth Third bank on XX/XX/XXXX. I received my retirement income by auto deposit on XX/XX/XXXX. I also had made a deposit of {$500.00} by Phone pic which was a CASHIERS CHECK. I went to bed on XX/XX/XXXX with {$120.00} in the bank. I woke up on XX/XX/XXXX to find that I was negative {$300.00} in fees because they decided that they could read the Computer printed Cashiers check. I took the check to the bank personally and they still want to charge late fees. Now they are going back and simply cancelling all of my payments I made by computer ( Heath Insurance, Car Payments ) to add positive money to their account which is all negative fees. NO END IN SIGHT. They refuse to remove fake negative fees.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 04/25/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Problems caused by my funds being low

Complaint: I have a banking account with TD Bank. TDBank has a consistent pattern. If you get a statement on the XXXX of the month and you pay your bills on the XXXX, they both go in the same date and TD Bank will charge you an Overdraft Fee for EACH payment that you paid electronically. They have totaled for last month taken over {$800.00} in one month in overdraft fees. Since the beginning of the year it has been over {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Debt collection (Other debt) with I.C. System, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XX/XX/XXXX, I checked my credit report and noticed an account in collection which was not mine in the amount of {$1000.00}. The company " XXXX XXXX '' which turned out to be a collection agency representing XXXX. I filled out a police report for Identity Theft, I filled out an identity theft report with the FCC, and I filled out a Identity Theft Affidavit. I sent these items to XXXX, XXXX, and XXXX. XXXX XXXX and XXXX removed to delinquent information from the credit report. Then In XX/XX/XXXX, XXXX hired IC system another collection agency to collect another dept of {$1500.00} which turned out to be the same fraudulent Identity theft account which was disputed back in XX/XX/XXXX. The increased amount are fees attached onto the first dispute of {$1000.00}. I have filled out another Identity Theft Packet and sent all supporting documentations to prove that the account does not belong to me. XXXX is still not cooperating with clearing the information from my credit report. The damage is that I can not refinance my mortgage to a 15 year loan until the information is removed. I feel the XXXX is being malicious because they new back in XX/XX/XXXX that this was Identify theft but they continue to file bogus debts on my Credit report. I need to get this resolved. I am the victim being victimized.

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 02-02-2017 about Mortgage (Conventional fixed mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (NY).
Issue: Settlement process and costs

Complaint: We applied for a refinance at 3.125 % for 20 years. Homebridge, which is also my current lender, dragged out the process for over 60 days, continuously delaying submission of documents. Each time we were asked for a document, we provided within 24-36 hours. Homebridge delayed our closing so long that the mortgage rates skyrocketed and they refused to honor our signed rate lock even though all delays were their fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Medical) with Kinum, Inc. (IN).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: After paying the bill in full via their website and validating that it cleared my account the following day I received a phone call from them two weeks later on my cell phone stating they had no record of this activity. After giving them my acct and auth numbers, I pressed the agent and found out that it can take 30 day 's to process. The agent wanted me to send a copy of it clearing my bank account. Essentially they were making their problem my problem. The agent then asked me why I was berating them the day after XXXX. When I asked to speak with their supervisor, the agent said they were a supervisor. Very unprofessional and this upset me greatly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Medical) with Choice Recovery, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My XXXX XXXX has not fulfilled their portion of responsibilities agreed upon in the contract. When my daughter 's XXXX was damaged, I notified them right away amd for four ( 4 ) months I continuously contacted them to see when her new XXXX would be delivered and when I could have it replaced. I do have documentation of any and all attempts of communication to recrify the situation as well as the lack thereof. They made absolutely no effort to order the XXXX in a timely fashion let alone maintain open communication regarding her replacement XXXX that has stil yet to be received. The only time this " business '' attempted to contact me was when I stopped payment on an XXXX and services I was no longer receiving due to their blatant neglect and avoidance.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My house was sold as a short sale through XXXX XXXX XXXX. At this point I was ordered to pay a promissory note of XXXX dollars for mortgage insurance. The servicing of this promissory note was sold to Shellpoint Mortgage Servicing. The agreement was {$200.00} a month for 12 months. XXXX date of payment was XXXX/XXXX/15. I have paid every month on time and have been getting regular payment statements showing that I have paid up to date. The most current statement for XXXX that I have received not only shows my principle balance at {$2400.00}, my account number has changed as well. I called to advise Shellpoint of this situation and they have actually XXXX different accounts under my name. XXXX showing that I have paid {$800.00} up to date and the other showing I have paid nothing up to date, but XXXX accounts have a starting principle balance of {$2400.00}. They advised me it may take up to 14 days to resolve this issue. I am concerned they are doing this to other consumers as well. I ca n't understand how they have created XXXX different accounts for my XXXX promissory note. Also the weird part is that I only received XXXX bill but I somehow have XXXX different accounts with all my information. This definitely needs to be looked into.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (KS).
Issue: Confusing or missing disclosures

Complaint: I am trying to link my XXXX XXXX account to my Coinbase account for use, XXXXis blocking that request. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My client is XXXX XXXX the daughter to XXXX XXXX. XXXX XXXX is responsible for the payment of mortgage. She has a financial hardship in that she had lost her job and her unemployment had expired. My office is preforming a short sale and the property has been listed. There is a residential listing agreement. There was a deed that needed to record from XXXX to XXXX to correct a title issue. XXXX XXXX would not execute the Deed per title requirements as XXXX XXXX had failed to hold up an end of the agreement. I have mitigated this situation and now XXXX XXXX has executed the Deed. We have the deed to complete the transaction and is being recorded concurrently when we close. Title is opened with XXXX XXXX XXXX and 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 06/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account was opened, used and paid off by an old room mate that had stolid my ID. I have asked for it to be removed because of fraud, but they will not help me. I filed with Federal trade commissions Id theft web site last year.

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 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I first tried to obtail my free annual credit report online at XXXX. I answered every question that was asked including giving my Social Security number. The online response was that they could not identify me and gave me a phone number to call XXXX. 

I called the number and answered all the questions asked including my Social Security number. in late XXXX I received a letter informing me that they were unable to honor my request for a free annual credit report because I had not provided sufficient information for them to verify my identity. 

I followed the save procedure for XXXX and they were able to send my free annual credit report.

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 01/27/2016 about Consumer Loan (Installment loan) with Harpeth Financial Services, LLC (GA).
Issue: Managing the loan or lease

Complaint: I opened a payday loan with advance financial they immediately told me that because I took out a payday loan that I qualified for an installment loan also I ended up taking out the installment loan also. I may have made one payment on the installment loan before they told me they no longer offer payday loans or installment loans. They said I had to switch both loans to their new flex loan. Right after doing this I started asking a lot of questions which no one could answer. I spoke with a district manager who also could not explain how the loan works. This loan put me in a financial down hill spiral because they kept offering more money which I accepted but ca n't afford to repay at their interest rate. I asked them for a printout of my payment history which they stated they could not give it to me. After doing some research and talking to a financial counselor I realized they used the bait and switch tactic on 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 01-06-2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have left XXXX on XXXX XXXX, 2015. Befort I left, I have payed the rent on XX/XX/XXXX2015. And payed the water fee of XXXX month on XXXX XXXX, 2015. However, My credit account show that I have overdue debt peported by XXXX. Please help me check. I have not received any mail or email to let me pay something. The attachment is the prove that I have payed off rent and water fee.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is a rental collection for a lease on an apt i had with my husband we were both lease holders, the collection agency was initially reporting the full judgement amount of {$3900.00} + some {$400.00} in interest ( not mentioned in court ruling ) as an individual responsibility which is outright incorrect. 

I started a negotiation with them and they told me that my part of the {$4300.00} was {$1900.00} ( they took off the bogus interest and my husband 's responsibility amount ) so i negotiated that amount down to {$1500.00} with the condition that the account be reported to credit bureaus as deleted and even received a letter from them in writing acknowledging that. 

I did my part and paid the amount in XXXX and contacted them to confirm, and they confirmed to me that the account will be deleted on XXXX. At the end of XXXX i received a letter from them saying that my part of the account is paid in full and that it will be reported with the appropriate paid status, so i called them again to confirm that it 'll be reported as 'deleted ' and not just 'paid ' and they confirmed that to me again. 

Now due to the fact that no building will approve a leasing application with a rental collection on my file, i had to rent a sublet where i live an work in XXXX which is extremely expensive now during tourism season but i had no choice and I am currently approaching the end of that short term lease and with the thought that the item was reported deleted i submitted a rental application that is currently pending that i 'm sure to lose, because not only did they not report it as deleted, or even paid, it is still being reported as unpaid with the full amount again minus what i paid them. 

I have called them over 5 times and each person i spoke with confirmed to me that they reported it to XXXX and XXXX as deleted and they even claimed that after that only the credit reporting agency can delete an account, so i contacted XXXX and managed to get to a helpful person that confirmed % 100 to me that the account was never reported deleted or paid AT ALL, and the collection agency is being unresponsive and today i ca n't reach anyone there.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling from different numbers every week asking for money I do n't have. I 'm unemployed & have XXXX. So I finally just stopped using my phone. Which I need to have in order to stay connected with family & doctors.

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 04-06-2017 about Mortgage (Conventional fixed mortgage) with MOVEMENT MORTGAGE LLC (TX).
Issue: Settlement process and costs

Complaint: Lender intimidating me to sign new loan documents after I closed on the house. These new documents increase my monthly payments and mortgage insurance. I was told it is to cover the cost movement mortgage lost in providing my loan to me.

Company response to consumer: Closed with explanation