milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/26/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Since XXXX XXXX, I was working with a loan consultant XXXX XXXX with Caliber Home Loans as I was looking to purchase a new home. I 've worked with XXXX XXXX in the past, and I trusted that she would help me obtain a new home loan as she did for previously. The presenting issue is that for nine months XXXX XXXX with Caliber Home Loans used deceptive, predatory lending practices in an attempt to obtain a home loan on my behalf that she knew I would not qualify to get. To explain further I just learned from a more reputable lender that I am only qualified to purchase a home loan for {$300000.00} when for 9 months XXXX XXXX with Caliber Homes provided pre-approvals for 4 different home in the range of {$400000.00} to {$640000.00} when she knew that I was in no way capable of obtaining a loan in that range. She knowingly continued to deceive me knowing that I was selling my current home, about to rent and own a new home that she provided a preapproval to purchase knowing that my XXXX only showed that I made {$39000.00}. She just admitted to this omission after she ran my credit twice, allowed me to go forward with putting my previous home up for sale and assisted in the sale of my last house, she knew I would lose a {$2000.00} deposit on a home I can not afford to purchase and never would have been able to buy because she has had access to my XXXX since XXXX. I took a loss of {$80000.00} on the purchase of my old house, lost my {$2000.00} deposit on the new home, {$1000.00} in moving expenses and the unfortunate owner of the house I am being forced to vacate is also impacted as his house has been off the market for 3 months because of her lies, deception an omission. Additionally, she stopped corresponding with me after she finally told me the truth. This is no how you treat someone you called " like family. '' Her tactics to use me to deceptively obtain a loan she knew I would not afford has harmed me financially and emotionally.  Now, I have to find a place to live again ( I just moved in XXXX because of her lies and sold my house ) as not to disrupt my children as well as deal with a homeowner who was also financially harmed. All of the above events took place from XXXX XXXX until XXXX XXXX. Additionally, Caliber Home loans serviced my previous home loan that another lender told me I should n't have received either because I did not qualify and they did not pay my taxes on that house. I did n't realize this until XXXX XXXX when a received a notice from XXXX County that they were putting a lien on my house for a tax sale. I had to pay those taxes out of my pocket because of the error. I still have n't been reimbursed for those fees either.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The issues I have with Equifax and XXXX is that they failed to properly investigate an account that is on my file ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Department of ED, XXXX XXXX XXXX ). I was told by a representative that they do not have to follow the law and had no resolution to these fraudulent accounts. I asked for copies of the documents they used to verify these fraudulent accounts but to no avail. They refuse to obey the law.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NE).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been unemployed since XXXX : Navient has been sending me harassing letters and calls every week saying they will take me to court if I ca n't come up with {$300.00} a month for their payments. I have contacted this company several times to tell them I am unemployed and have still received

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Credit card) with Army and Air Force Exchange Service (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Over the past few months I have been requesting validation on multiple occasions for a debt that is listed on my credit report. I have bee requesting evidence that bears my signature that shows that I have a contractual obligation to pay Military Star. I have not received anything that I requested and it is still listed on my credit report from all XXXX of the Credit Reporting Agencies.

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. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XX/XX/2016 I contacted Equifax credit bureau. Spoke with a representative concerning why my credit score as to why I had lost XXXX points on my score. After I reviewed it from XXXX XXXX the night before. The representative could not answer why and basically just said that XXXX XXXX is n't always correct. In which I informed her that Credit Karma gets the information from the credit bureaus, because I seen an inquiry from XXXX XXXX on my Equifax report dated XX/XX/2016. She could not tell me why my credit score was XXXX points less than it was 2 weeks ago. Although I have paid off a student loan recently. So I asked to speak with a supervisor an she could not explain to me why my credit score had dropped XXXX points as well. I asked her to fix my score, Inwhich, her reply was she could not. I said to her but you took XXXX points from my credit score and you do n't know why and you ca n't fix it. Than she proceeded to say that it was because of a dispute with my mortgage company in which that never occurred. I have no dispute because I 'm paying my mortgage on time and I know that does not bring down a score. I asked her to send me the credit report that shows there is a dispute from me on it concerning my Mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (I do not know) with Northwood Asset Management Group (UT).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: This company northwood asset management has repeatedly contacted me and other XXXX party persons not associated with the person they attempting to collect a debt from. When asked to stop and told they can not call us they have threatened and used obscene language and threatened us. When told this is not the number to contact said debtor they insist we must give them information about us and the person they are attempting to contact.

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 02-01-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (CO).
Issue: Charged fees or interest you didn't expect

Complaint: In XX/XX/XXXX I found myself needing a new roof on my home. At the time I was financially solvent, had paid off the mortgage on my home, and was working full time. I didn't want to drain my savings account to pay for the roof or put the cost on a credit card, so I approached my local Wells Fargo bank with the intention of taking out a small, short-term loan to pay for the roof. XXXX XXXX XXXX was my personal banking contact at that time, though she eventually left Wells Fargo. If my memory serves me correctly, I made three visits to the bank. The staff there was resistant to a short-term loan and suggested a line of credit based on my home value. They also did a hard sell on car and homeowner 's insurance and opening up a Wells Fargo Visa card. Eventually I opted for the line of credit and did not open other accounts with them. I was under the impression that I would have to leave the account open for a minimum of three years and that after one year I would be able to lock in a lower interest rate.The account had a credit line of over {$30000.00}, which was my primary complaint. I certainly didn't need that amount of money for my roof and over the next couple of years it was clear that they were using tactics to encourage me to run up the account balance and always reminded me that the interest was deductible on my federal income tax I was encouraged to transfer other debt, such as car or other loans, to this account or to take vacations or spend this money on shopping trips, mostly unsecured debt. I did end up using all of the money, mostly for living expenses and family emergencies. Despite my numerous attempts to close down the account, convert it to a different type of loan structure, or to lock in a lower interest rate, I was not able to. XXXX had left the bank a couple of years into this loan and I had no personal banker to deal with. I was in a position of having to explain the nature of my account to a new person every time or being transferred to a corporate branch where I was given no real assistance or alternatives. All of these negotiations took place on the phone. Over eight years I paid nearly {$10000.00} in interest on a {$33000.00} loan. During that time I was not able to deduct one dime of that cost with the IRS. Eventually it became clear that I would be forced to sell my home in order to pay off the line of credit, which I did in XX/XX/XXXX. After completing my move from XXXX XXXX to XXXX, I ended my relationship with Wells Fargo by closing all of my accounts and went to another bank. At that time, I was relieved to discover that no additional accounts had been opened without my knowledge.

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 01/26/2017 about Credit card () with Continental Finance Company, LLC (NC).
Issue: Other

Complaint: I had to credit cards with Continental Finance : A Matrix MasterCard and a XXXX Mastercard. Last XXXX, I enrolled in a debt management plan with XXXX XXXX XXXX and both accounts were enrolled in a hardship program with the agreement to pay XXXX per card per month. Payments have been made consistently as agreed upon by the debt management plan proposal. However, Continental Finance is currently showing both of my accounts as " Charged of as Bad Debt, Profit and Loss Writeoff ''. In addition, they showed me as 30/60/90 days past due for the last several months. Both I and XXXX XXXX XXXX have been attempting to get a satisfactory resolution to this matter for over a month now. Last week, XXXX XXXX XXXX had been told that I had been " exited '' from the hardship program and that they would need to submit new proposals. However, today I received a letter from Continental Finance indicating that " Our records indicate that your account is currently enrolled into the hardship program. '' In short, despite being told I had been exited the program and despite the fact that timely payments have been made for the last 5-6 months, Continental Finance has incorrectly reported the status of my XXXX accounts which has caused a significant drop in my XXXX score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Medical debt) with Account Recovery Services, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ACCOUNT RCVY SERVICE  XXXX  ACCOUNT RCVY SERVICE Address :  XXXX   XXXX   XXXX   XXXX , AZ  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Original Creditor :  XXXX   XXXX    XXXX   XXXX   Collection account. {$1400.00} there is also an amount of {$3500.00} that belongs to another family member who is  XXXX  and never authorized those   XXXX   prescribed by a Doctor.

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 09-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Several years ago I opened an account with BBVA Compass bank in My Name and my wife 's name. When the account was opened we were issued a credit card. In XX/XX/XXXX we closed our BBVA bank account and we thought we closed the credit card account. We never used the credit card during the time we had the bank account and never received any credit card statements before or after we closed the bank account. Today XX/XX/XXXX we received a {$0.00} balance statement from BBVA Compass for a credit card in my wife 's name for the period of XX/XX/XXXX to XX/XX/XXXX. I called BBVA compass to verify that this was not fraud, and the ask for my SSN number, which I refused to supply. They were able to verify the account by our phone number and address, and agreed to close the account. I ask for the last four digits of the SSN number that they had on file for this account, but their representative XXXX XXXX refused to answer. I am complaining about two actions by BBVA. 1.  Keeping the credit card account open, when they stated it would be closed in XX/XX/XXXX, and not sending any statements until XX/XX/XXXX. 2. For refusing to supply me with the SSN that the account was opened under. The bank account had my SSN on it, so they had no business opening a credit card in my wife 's name with my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I lost my job in JuIy 2012 when I became fully XXXX and could not work. Over the course of the next two and a half to three years I went through the XXXX process with both the VA and Social Security, ultimately being approved as XXXX by both. Over the course of the application process, I was unable to pay my mortgage. My mortgage was ultimately bought by or transferred to NationStar Mortgage. After approval for XXXX by the VA and SSA, I got a mortgage modification with NationStar Mortgage after my approval from the two agencies. In addition to the mortgage amount, they added on a final payment of approximately {$66000.00}. This essentially still leaves me underwater in my mortgage. At the time I did n't feel like I had any choice, because my credit had been damaged. I think this is ridiculous since the issue was caused by an issue beyond my control. I will pay all of the interest associated with my modified mortgage amount. I do not feel it is fair to also have to pay past interest.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (FL).
Issue: Taking out the loan or lease

Complaint: Per previous cases Mariner financial agree to send me the insurance forme and stated once they received the form they will updated the credit files and removed the negative information. And they have n't I request this information to be removed permanently from my credit file as I have complain with Mariner Financial.

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Credit Plus Inc (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Just refinanced home IN XXXX 2017. Other companies keep on calling to refinance with them. Checked my credit report on XXXX XXXX, 2017 without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (ID).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Midland XXXX al has a standard practice of not investigating disputes properly via account level documentation and Sellers often Disclaim documentation as evidenced by C.F.P.B. Consent Order XXXX. 

I disputed the below account more than once and to date am discovering ongoing reporting which I disputed and to date Midland has not properly investigated. Midland also reports my disputes as not timely, also a common fraudulent statement used by MCM. Please have them remove these inaccurate/not properly investigated accounts from all XXXX credit reporting bureaus. 
Midland Funding LLC acct # XXXX ... XXXX/XXXX/13 {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/17 XXXX XXXX gave a XXXX American Express Credit Card Deposit to XXXX XXXX for a job located XXXX XXXX XXXX XXXX, MA, Before XXXX XXXX started the job or send me a contract to sign i cancelled the job with a phone call and a email, after i disputed the credit card charge with American Express for the full amount of XXXX dollars XXXX XXXX response with the merchants that the payment was made for on going projects, American Express still refuses to refund me the XXXX even after i sent them a sign receipt that clearly stated XXXX XXXX XXXX XXXX , MA Down Payment '', a signed letter from the homeowner at the address that no work was performed and copy of a charter law in Pennsylvania that state No Home Improvement work is bidding without a signed contract by both parties, i am lost and need help to get this fraudulent credit card charge off my bill

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX collection agency, XXXX XXXX XXXX, is incorrectly reporting a {$0.00} balance collection on my credit bureau reports which is negatively affecting my credit. I 've disputed this matter with each credit bureau, but in their remarks they state that XXXX " meets FCRA requirements ''. XXXX XXXX XXXX website is broken or down so I do not have contact information to address them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My mortgage account with XXXX was brought to " Current '', PAID IN FULL and closed. Three letters confirming payment in full have been issued by XXXX, which have been sent to EXPERIAN by registered mail and internet. Telephone requests to correct the credit files and indicate that the account has been PAID IN FULL have been made to Experian twice. 
Experian is reporting as follows concerning the XXXX account : REMARKS : Account information disputed by consumer. ClosedAs a result of the negative report ( which is NOT in compliance with the Fair Credit Reporting Act XXXX, my credit score is lower than it should be and I have been denied credit. 
One party that denied credit told me by telephone that the report from Experian could mean that I paid less than the full amount or nothing and that the creditor wrote off the balance. 
The people I have contacted at Experian recite a script, never answer my questions and do not show any interest in solving the issue. 
It is my contention that the Fair Credit Reporting Act requires Credit Bureaus to report " in a manner which is fair and equitable to the consumer '' so that there is no possibility of misinterpretation. The Act reads : '' It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Loan was transferred from XXXX XXXX XXXX to Carrington Mortgage Services as of XXXX XXXX, 2015. Due to the account showing as a " closed account '', my credit score decreased drastically, making me unable to refinance the loan. After contacting Carrington time and time again, they originally stated that they had a XXXX day window to report the loan to the credit bureaus due to CFPB regs. After continued calls, they first stated that because reporting occurred on the XXXX, it would be until the following month. Then in XXXX, they stated it would n't report until the XXXX. Lastly, they stated that they had already reported it and would be appearing on the credit report by the end of the month. The situation has not been resolved. It is XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: I submitted a dispute to Citibank on my credit card with them. I had an unauthorized charge on my account from the XXXX XXXX XXXX for {$230.00}. They have not reversed this charge. I would like this charge removed from my account.

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