milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Attempted to get an underwater loan on a second home re-financed, including lower interest rate and principal reduction. After 2 yrs. XXXX XXXX has outsourced to Seterus, and we were offered a lower interest rate only. New payment became more than previously, due to fees and interest accrued. ( my spouses business failed & our income declined ) With principal reduction we could afford the mortgage, but they stated this could not happen due to XXXX loan rules. Is this true? We constantly re-filed paperwork that had been " lost '' throughout the years, with no offer ever being made until now.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OH).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I used XXXX XXXX to apply for this card because XXXX XXXX suggested it and my approval odds were good. And I was denied again for the 5th time. I have a good credit score and all accounts that I have are paid on time and paid and closed early. The excuse that they gave me for denying an account to me was my debt is too high. But it is student loan debt and I am still in school. They approved a XXXX XXXX that I know with more debt than me and a score lower than mine. Im starting to feel as if they are discriminating against me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: APR or interest rate

Complaint: I have been a customer of Capital One also known as Capital One 360 for 11 Years. I 've paid balances in full, always paid on time and I have a good credit score. I am confused as to why is it that I can ONLY get a credit line of XXXX- I started at XXXX, then XXXX now XXXX. I have other credit cards with a higher credit limit, and I have been with those agencies for far less time. Secondly, I have asked for my APR ( urrently currently 19 % ) to be lowered, only to be notified that I did n't qualify ; because there were no promotional offers at this time says, a supervisor at Capital One. 
If there were promotions, how is that I was n't notified by mail, call or email? 
There is something grossly wrong with this picture.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (HI).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Servicing attempted to modify my HELOC account, and is claiming that 4.5 % of {$120000.00} works out to {$790.00} per Month in interest only. 

I contacted Specialized Loan Servicing several times, and they had admitted that these numbers were incorrect. However, upon follow up, I spoke with a supervisor named " XXXX '' on XXXX/XXXX/15, who claimed that these numbers were indeed correct. I believe this represents attempted fraud on the part of Specialized Loan Servicing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Recently, I have begun tracking the history of my student loan in depth and I have noticed a few discrepancies. 

First, as of XXXX/XXXX/XXXX Navient took over 10 late payments off of my credit report and my report went up 55 points. I have been living for 3 years, unable to get a car or a mortgage, because of my credit score. I had filed complaints with their Office of the Customer Advocate and with XXXX via the XXXX XXXX dispute feature. 

Second, there is documented occurrences of mishandling of my payments, most recently being the payment on XXXX/XXXX/XXXX with {$0.00} going toward principal. They have been misallocating my money for years. Causing deeper problems than I can quickly fix. They mislead my mom and I for years and werent clear on some terms/due dates around XXXX XXXX. They have caused irreparable damage to me and my family. My mom XXXX in XXXX and my loan went up {$300.00} after they sold the debt to another company. I cant afford to input into society like a normal American because of their exorbitant XXXX XXXX/month and no ability to change it. My balance continues to rise on the student loans. 

Third, and lastly, revisiting the issue of misallocating my payments, I am still dumbfounded as to why my 3 oldest loans are my 3 most expensive loans still. This is due to misallocation from my automatic payments that have been set up. There is no reason these loans should be -17 % of the original balance 10 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: EXPERIAN IS REPORTING XXXX BKS ON MY REPORT 1 ) NOT MINE # XXXX 2 ) DISMISSED BK # XXXX Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. 

XXXX requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. 

While the correspondence that was sent by Experian indicates the account was previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant. 

It has been over 30 days since Experian received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the adove accounts from my Experian file pursuant to XXXX. I will NOT accept another reinvestigation of the account, ONLY deletion.

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 03/21/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (AR).
Issue: Loan servicing, payments, escrow account

Complaint: Account # XXXX - Posting Discrepancies - Ref ticket # XXXX XXXX 1. This case has been open with Specialized Loan Services LLC since XXXX/XXXX/XXXX to investigate {$540.00} posting discrepancy to Account # XXXX ( Ref ticket # XXXX ). 
2. I called in their customer service on XXXX XXXX, XXXX to get an update on the progress and I was told that there was n't any noted update on the account which indicated any progress made rather your representative even accused me of submitted bogus data and tasked me to submit bank statement to prove payments. 
3. I have this property under a sales agreement with a scheduled settlement on XXXX/XXXX/XXXX demanding expedited resolution to avoid an inflated payoff amount. 
4. I have compared my bank shown sent payments with your SLS account details and I believe I have found the problem ( shown in below tables ) which began with a {$540.00} UFU Unapplied funds unidentified payment of payment posting on XXXX/XXXX/XXXX. 
5. My account has been in awful shape since then and never recovered back. 
6. I want SLS to correct their posting problem ( s ). 
7. If their resolution is later then my sales settlement XXXX/XXXX/XXXX where I may pay inflated payoff amount I would like a refund check from SLS amounting my missed payment plus any penalties consequently occurred due the posting error.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received harassing phone calls from a debt collector by the name of " Eastern Account Systems '' based out of Connecticut trying to collect on an overdue account for " XXXX XXXX ''. It appears that XXXX gave out my personal information to this collection agency in an attempt to " phish '' for someone else 's delinquent accounts because we have a similar last name ( similar in last name ONLY! ) I 'm FURIOUS about this because for one - I did not authorize " Charter '' to release my personal information to ANYONE, and for two - they did not have " Just Cause '' to release my information. I want to know why this happened, and make sure that both of these Companies behave in a more professional manner by using accurate information - Also that they are not pursuing the wrong individual!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax XXXX XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern : In accordance with Federal Civil Rights Law, demonstrate that the following material appears correctly on my credit reports. Request ample documentation, ( including but not limited to : date account opened, date closed, full accounting of account, address where bills were mailed to ) from this alleged creditor. If these items appear in error, I have a cause for action because my rights may have been abrogated and violated in that case. Please confirm that this item has an address in my current credit report OR DELETE THIS ITEM FROM MY CREDIT REPORT. 

Tax Lien Status : Released Date Filed/Reported : XXXX/XXXX/2011 Reference # : XXXX Released Date : XXXX/XXXX/2011 Court : City & County Government Amount Owed : XXXX Your quick response and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX ***********

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit card () with CAVALRY INVESTMENTS, LLC (CA).
Issue: Billing statement

Complaint: I purchased a pair of eyeglasses fro XXXX XXXX utilizing a promotion offering 12 months no interest. My wife is the person in our home who pays the bills. One year later I received a call from Calvary Portfolio Services who were bring to collect on a debt for my glasses. However, when they called and asked for my name, address, and city, all of the info the had was incorrect. My name was spelled wrong, my address was wrong, and it was not in the city in which I lived. As a result of this inadequacy of who ever was inputting my info, my credit has been disrupted. I am attempting to refinance my home, and became aware of the marks against my once perfect credit. I have contacted XXXX Bank who opened the credit card and they said that they can do nothing to help get my credit corrected. I have also contacted Calvary Portfolio Services to see if they can assist me, I am currently paying the debt to them, and they also said that they could not do anything to help my cause. I feel that I have been the victim of some person 's inability to input information correctly leading me to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Mortgage (Conventional home mortgage) with Rock Holdings Inc. (NJ).
Issue: Closing on a mortgage

Complaint: XXXX XXXX XXXX  XXXX XXXX XXXX, a subsidiary/partner of XXXX XXXX XXXX  was the settlement agent for my refinance. I have requested proof of actual repayment of the mortgage loan. They have not provided proof and I have not received a cancellation of the mortgage. They have recorded a new mortgage without cancelling the old mortgage.

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 03/28/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased my home with a government insured FHA loan that is serviced by Caliber Home Loans. My problem is that I was injured and hospitalized for a period of time and missed a lot of work. This caused me to fall behind on my mortgage payment. As soon as I was back to full time I contacted Caliber to try and resolve the matter. They requested that I send in some financial information. I did this, and then did it again, and again and again. Each time I speak with someone different, and each time they give me a different excuse as to why they ca n't review my information. This has happened so many times that it seems intentional. Caliber is denying me access to government mortgage assistance programs that they are required to offer. 

I have worked as a XXXX for 16 years and I make a good living. My wife also works part time as a XXXX to help out and we live in our home with our XXXX daughters. We love our neighborhood and our home and want to save it more than anything. This problem began in XX/XX/2016 when I was hospitalized and was out of work. When I got out of the hospital I had to take it easy and my company just had me working part time and doing XXXX. As a result I missed some mortgage payments. A couple of months later I was back to full time employment and I contacted Caliber Home Loans to discuss this matter. They told me to send in my financial information and they would see what they could do. I have never been assigned a specific contact, I have never talked to the same person twice and they have a different excuse every time. I have been doing this for nearly 5 months and have made absolutely NO progress. They still have not even LOOKED at my information and this is beyond frustrating. They are starting to threaten me with foreclosure. This is crazy -- I make a good living and can afford my mortgage payment. I hit a rough patch but am back on my feet. Why are they denying me access to all options for help?? I know that FHA loans have programs to help people in my situation with a modification, or partial claim, forbearance agreement or repayment plan. However Caliber Home Loans has refused to offer any of these options. 

I am contacting you to inform you of the actions of my servicer Caliber Home Loans. They are not following guidelines, they are purposely obstructing the process, they are not conducting a review and they have never conducted a review of my financial information

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NM).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage bought my loan about 3 mo ago from XXXX XXXX XXXX. It is a XXXX property. With escrow etc it comes out to XXXX monthly. I found out my insurance company had increased my policy by 3 times the amount in XX/XX/XXXX. This brought my escrow account to XXXX negative. I cancelled that policy effective XXXX XXXX. And started another policy that is 3 time less. With no warning or chance to pay the negative escrow Carrington just sends me a bill for my new payment of XXXX mo. On a XXXX property that only has XXXX yr taxes. They want and escrowed amount of XXXX mo. I have called them twice and now emailed them in reference to this. Their agents tell me it is an escrow cushion. They are asking for XXXX year escrow and my property taxes are XXXX and my insurance is XXXX yr. I told them I wish to pay the negative escrow not to raise the payment. Even with the old insurance amount, negative escrow, and taxes they are still asking for an additional XXXX in my escrow account. I sure can not afford to have my monthly payment increase by XXXX just like that!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I 've written Equifax twice to remove a tax lien on my credit report and my spouse 's credit report which inaccurately reflects a paid tax lien of {$1900.00}. I explained to them numerous times with certified documentation that the lien was filed in error and should be removed. Nothing was ever paid on that tax lien. A subsequent  XXXX  filed for that tax year removed the {$1900.00} debt.     Instead of Equifax actually conducting a debt, they kept sending letters stating, " Investigation Complete ''. And I know that is incorrect.     I 've emailed them copies of emails from the State of Georgia back in  XXXX  that show that lien was filed, then removed but that no monies were ever paid. In fact, the lien was reversed and we got a refund instead.     I 've explained all this to Equifax in  XXXX ,  XXXX ,  XXXX , and now this month, and they insist on ignoring it, by sending me correspondence stating " Investigation Complete ''. I know my rights. I sent them a letter demanding a thorough investigation under the Fair Credit Reporting Act, Section 609, and they sent me an " Investigation Request Form '', with no acknowledgment of the investigation.     Equifax has caused mu family undue denials and high-interest rates because they failed to follow the Fair Credit Reporting Act and actually VERIFY the accuracy of information prior to reporting it. Instead of simply verifying whether it was filed and released.     As a side note,  XXXX  and  XXXX  immediately removed it once they discovered the financial impact to our scores. Equifax does n't seem to want to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 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: Account information incorrect

Complaint: Dear Whom it XXXX concern, This is a formal letter to dispute and ask for removal of this account off all of my Credit Report. The Account is listed as XXXX COLLECTION BUREAU OF XXXX. It 's a medical debt claiming I owe {$460.00} but they refused to provided documentation to me. I filed a complaint against them back in XXXX of XXXX they failed to respond to my complaint. I 'm tired of them reporting false information. I want this account removed off all my credit reports right away. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Security Credit Services, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have on all XXXX of my credit reports a collection account from this business. My first complaint is that I never received a notice in the mail from this business to validate my debt which is my legal right. XXXX I have done some investigation and I have yet to find that this business is licensed to collect in my state of XXXX. Original creditor was XXXX they do n't list a account number on my credit report

Company response to consumer: Closed
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A computer glitch that was XXXX problem, not mine has caused inquiries to be deleted from my credit report which they later placed back on my report without a legal 5 day written notice. I contacted XXXX in good faith to ask that they delete what was re-added they chose a few to delete. These inquiries that I did n't authorize are causing a hardship and my rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 provided the proper information to have the XXXX 's Account removed from my credit report. But for some reason, XXXX and Equifax are not removing the creditor from my credit report. I aid the account in full to a XXXX balance and the letter state that and shows the account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with NAVY FEDERAL CREDIT UNION (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Navy Fed advised me, as a result, that they did remove my authorization for the USE of the card, however the debt will continue to be reported on CBR, per XXXX on XXXX/17. 
However, being an authorized user was never the issue. The debt was never mine to begin with, there is n't any application from me, in my name, anywhere what so ever! 
So why would n't Navy Fed remove My name from my CBR? This is NOT EXCEPT ABLE AT ALL!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Application processing delay

Complaint: I have an issue with capital one. Capital one is still processing my application. They are doing so because they say they can not reach me to verify my information due to the fraud alert that I have on my report. I left a voicemail with the fraud department. I also called and spoke with a rep that kept me on hold for a half hour and then hung up on me. All I want is my application processed. They could have contacted me on the number that was on the application. I have had the same number for 3 years. The lack of communication is ridiculous. Not to mention that they have sensitive information that they are sitting on.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (WY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt was already reported and included in a XXXX (? ) lawsuit by this company when it was using a different name. The debt was various medical bills and was put on my credit report in XXXX XXXX (? ) As such they are reporting the debt twice.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage became the new servicer for my mortgage on XXXX XXXX, XXXX. On XXXX XXXX, XXXX they sent a statement of account indicating I had 30 days in which to dispute the debt. I did mail a dispute certified mail on XXXX XXXX, XXXX well within the 30 day time period. However, they have my home scheduled for sale on XXXX XXXX, XXXX without any notification to me.

Company response to consumer: Closed with explanation