milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX XXXX assisted me to pay {$1100.00} mortgage to CALIBER HOME LOANS due to my financial hardship. 
On XX/XX/XXXX, since I did not know when " XXXX '' can pay my mortgage on my behalf in XX/XX/XXXX back then, to avoid penalty, I also paid {$1100.00}. 
Because of this incident, I ended up pay XXXX mortgage payments for the XX/XX/XXXX, so I called and spoke to a customer service rep. at CALIBER HOME LOANS around XX/XX/XXXX and asked her to apply my XX/XX/XXXX payment of {$1100.00} the full amount as principal to my loan account without charge me any of interests, as it was my extra payment for the year XX/XX/XXXX. She agreed, and she told me that our conversation was recorded, and said that she took care of it already. I asked for a confirmation, she said no need to have confirmation, I should see it on my FOMR XXXX of the year XX/XX/XXXX. 
However, when I received FORM XXXX for the year XX/XX/XXXX, I found out that Caliber Home Loans did not apply my XX/XX/XXXX extra payment to principal ; but to charge interests against it as well. Thus, I called on XX/XX/XXXX to verify with a customer Rep. her name is XXXX. She was very rude, and told me that Caliber Home Loans would never re-adjust my loan nor to refund me the wrong charges of the interests on my XX/XX/XXXX extra payment of XX/XX/XXXX. I asked to speak to her manager, she hand up on me. Then when I called back, the phone just keep on routing to others, I was unable to reach to their manager for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (Other debt) with CL HOLDINGS LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Have contacted XXXX XXXX the third party who purchased XXXX debt and delete number out of times. Sent XXXX my bankeupcty and have XXXX XXXX in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have filed disputes with all three credit agencies to have this tax lien removed from my public records. They all responded and said that it was updated to satisfied but will continue to remain on my credit report. I have the expungement letter. According to my research when I have this letter it is supposed to be removed COMPLETELY.

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 10/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: APR or interest rate

Complaint: I have been a credit card customer of Capital One for the past 8-10 years and my account was always in good standing. This is also actual my only credit card. I made an online payment over the XXXX XXXX holiday that due to the holiday and week-end time frame it ended up being 1-2 days late. Suddenly with no notice Capital One raised my interest rate from 3.77 % to a 23.15 % rate. This is a 20 % rate increase. I have a good credit rating and would never pay a rate this high. I now ca n't afford the monthly payment the minimum payment jumped to almost {$600.00} per month and I ca n't afford this. I have repeatedly called Capital One and was told there is nothing they can do. I even went into their XXXX MD branch their manager XXXX was trying to help me but when he called they gave him wrong info even telling him I never had a 3.77 % rate. That is not true my statement is the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received notice from a third party agency that they received a file for litigation on a civil suit, from US BANK ( US BANCORP ). 

This was in regards to a bank account I held with US Bank account that was closed due to fees when I was XXXX. The rep gave me the name of a collection company called XXXX XXXX XXXX and said that they were the ones suing from the debt acquired through US Bank. They said I will be expected to appear in court and would have to pay whatever the judge decides. 

They claimed I received numerous notices which I have not and they even called my mother whose information they SHOULD NOT HAVE. 

The bank account was debt was from 2000 when I was XXXX living in Washington. It has been over 15 years. The debt at the time was also under XXXX. I reached out to my attorney who advised that the Statute of limitations is 4 years. I was advised that the notices were probably never sent but they will have records of letters so that the judge rules in their favor. I have learned US Bank has done this before and this is also the second time in five years I have been verbally threatened over this debt.

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 04-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have disputed a bankruptcy public record on my account on 11 different occasions, most recently I even sent Transunion the following because A. If someone files bankruptcy in XXXX Indiana our Federal Court in in XXXX, NOT XXXX, I have never stepped foot into the XXXX Indiana Court, and secondly the addressed listed for so called bankruptcy is the the XXXX. The fact that is inaccurate is enough reason for it to be deleted in the first place, there is NO Federal court in XXXX, IN. 
INDIANA FEDERAL COURT-XXXX XXXX, IN XXXX XXXX This info is for the XXXX. XXXX XXXX XXXX , IN XXXX XXXX Another item is the XXXX , I do n't owe a balance and have repeatedly disputed and asked for PROOF of said debt to no avail with both transuion and XXXX, oddly this item was removed a few months back and put back on my 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 04/16/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: APR or interest rate

Complaint: They charge me 2000 % of what they pay me on my savings.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (VA mortgage) with MONEY SOURCE, THE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My wife sent our home mortgage payment to our lender on time ( first of the month ) but had written the incorrect amount in the numerical box but the correct amount on the written line of the check she had sent. The mortgage company held the check and did n't inform us of the error until the payment was considered late ( last of the month ). Had they contacted us with the error we could have corrected it and the payment would not have been considered late. When we contacted our lender they said they had done everything " by law '' and were unwilling to remove the late pay entry on our credit report.We would like to re-finance our loan but are unable to do so, because of the late pay entry on our credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been working with my student loan servicer FedLoan Servicing ( Pennsylvania Higher Education Assistance Agency ) to obtain my {$17000.00} XXXX loan forgiveness for being a 5 year XXXX at a low income XXXX. I had to submit the application about 6 or 7 different times, each time the loan servicer would find something entirely different than the last as being " incorrect '' or " missing ''. Finally, on XX/XX/XXXX/17 they agreed that my application appeared complete and they forwarded the application to the Department of Education, however, it has now been over a month and I 've still not heard anything as to the status of my Forgiveness. I 've inquired multiple times with them via the email feature on their website, only to not receive any response. Because of the multiple delays on all of my applications, I 've been charged interest on the {$17000.00} balance that should have been approved almost a year ago. Any help on this situation is greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (I do not know) with I.C. System, Inc. (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: While looking over my credit report I noticed I C System listed on my credit report. I have no idea what this debt is and it has not been communicated to me. This has caused stress and loss of potential income. The debt does not belong to me.

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 02/26/2018 about Debt collection (Other debt) with PNC Bank N.A. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The debt is in amount {$840.00} that I did not personally use or have the access to this account. The date that it was field for XX/XX/18 to XXXX XXXX XXXX. My mother has a joint account that was being used at PNC and has made arrangement to pay the above balance of {$840.00} in monthly payment. I wasn't aware that the above balance was due until I was called repeated times from someone from XXXX XXXX XXXX to get a debt that wasn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Medical debt) with Merchants' Credit Guide Company (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Merchant 's Credit Guide is reporting 2 medical debts on my credit report ; one for {$66.00} and one for {$230.00}, totaling {$290.00}. I mailed a letter to them on XX/XX/XXXX, requesting proper validation of these accounts including an accurate accounting of the exact amounts they 're saying I owe and proof of Merchant 's Credit Guide 's surety bond for the state of Texas. 

I received a reply letter from Merchants ', dated XX/XX/XXXX with an amount of {$66.00}, confirming they received my validation request letter and that they will reply with documentation, if they obtain it. 

On XX/XX/XXXX, I received a reply from Merchants ' ( postmarked XX/XX/XXXX ) stating that the enclosed documents are the verification documents that I requested. The enclosed documents included a print out with various amounts totaling {$530.00} and a letter from Merchants ' listing an amount of {$320.00}. None of the other documents I requested were included in this correspondence, including proof of a Texas surety bond required for debt collection in Texas. 

My reasons for this complaint include : 1. What amount is Merchant 's Credit Guide saying that I owe them? 
2. Where is the proper validation reflecting the correct amount?
2. Is Merchants ' Credit Guide allowed to collect debts in the state of Texas?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: I took out a loan with XXXX in XX/XX/XXXX for {$310000.00}. My loan number was : XXXX. They filed Chapter XXXX bankrupcy in New York in XX/XX/XXXX as purchase XXXX XXXX ( XXXX ). The CFPB accused the servicers, among them XXXX, XXXX XXXX, XXXX, XXXX, and now Caliber of improperly calculated loan balances, misapplied borrower payments, failed to correctly process escrow and insurance payments, and failed to properly investigate and make corrections in response to consumer complaints. They have compounded these failures by illegally foreclosing upon borrowers loans and selling loan servicing rights to servicers without fully disclosing or correcting errors in borrowers loan files. Mine is such a case and I want the CFPB to file a similar case as those already filed by the CFPB v. XXXX XXXX XXXX et al, U.S. District Court for the XXXX District of Fla., Case No. XXXX, and by the Office of the Attorney General et al v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for the XXXX District of Fla. , Case No. XXXX, also determing who the correct servicer are.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have 3 student loans with Navient. Two of them are private and one is federal. A while back one of the private loans went into default and it was passed on to their collection agency - XXXX XXXX. At that time they told me that I could pay {$100.00} a month towards it and that Navient would report to the credit bureaus that I was making partial payments. I have been doing that faithfully ever since. I have not missed one payment. My issues are that I feel as though the loan 's interest was accrued at an outrageous rate. The original principal was {$7000.00} and the loan is now at {$14000.00}. That 's double the amount. Then whenever I try to discuss this loan with Navient they tell me that they can not because I need to talk to the collection agency but that I should also be careful with who I speak to concerning this because there are fraudsters out there. So I call the collection agency and they tell me that they will talk to Navient on my behalf. Every time they talk to Navient they come back with a settlement offer. The first settlement offer was for me to pay {$4900.00} to them and the rest of the loan would be forgiven. Now they recently sent me another settlement offer to pay them {$6000.00} for the same thing. I believe that this is turning into a game of some sort because they know that this particular loan has been set at an unreasonable price. They do not allow me to discuss this loan and they continuously come with these settlement offers ( which are increasing even though the loan is decreasing ) and I believe that the loan is overpriced/not calculated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On my credit report with Experian, they are continuing to show accounts that have been proven not to be mine. An Account with XXXX XXXX listed as a Charge Off. I 've repeatly told them, the account is NOT MINE! XXXX and XXXX have both removed this charge off account from my report after being deemed that it is a fraudulent account. 

They are also showing a Public record from XXXX County Illinois that I 've researched on my own, spoken to the actual courts and they can not find anything, I 'll attach a screen shot with proof proving the account is not mine. 

I have submitted police report to the agency and they are still allowing my credit to be ran fraudulently, I now have numerous credit inquiries from various lenders that I did n't authorize. I have n't had my credit ran since XXXX of 2016 so anything after that, are fraudulent and should be removed. I have a credit fraud alert on my reports and it 's not stopping them from being ran. I finally asked for. Credit freeze today.

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 02/17/2016 about Mortgage (FHA mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased a house XX/XX/XXXX, and XX/XX/XXXX XXXX. I have been in and out of work since, and have continued to make mortgage payments to the best of my ability. XX/XX/XXXX, Vanderbilt Mortgage purchased my mortgage, and XX/XX/XXXX I reached out to them to explain the situation and begin the application process for their hardship program. To date, I have not been able to complete the process because XXXX has repeatedly lost or claimed never to have received documents from me and has continued to request additional documents whenever they receive what I have been told is the last set of paperwork they need. Approximately a month ago they finally had all of the necessary paperwork, at which point I was told that the process had to be restarted because it had taken so long. They have called me, as well as my fiance who 's name is not on the mortgage, approximately daily for months to demand repayment using offensive and condescending language and it has become readily apparent that they are operating in bad faith regarding their hardship options. They have refused to accept partial payments and are claiming that because I have been unable to continue to make mortgage payments while they dragged out the hardship application process, I am now in danger of foreclosure unless I pay the entire outstanding overdue amount within the month.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/2018 I contacted XXXX, XXXX  and Transunion Customer service and fraud department to inform them that they are reporting inaccurate information on my credit reports which is affecting my scores. There are multiple credit Inquires that I did NOT authorize. I contacted the companies that reported the inquires, asking them to remove them because they are NOT authorized by me. They informed me to contact the credit bureaus in regards to having them disputed and removed. I 've been getting ping ponged between XXXX, XXXX, and transunion as well as the companies reporting the inaccurate information to no avail. I 've included a copy of my official XXXX credit report highlighting the inaccurate information. I was already a victim of the XXXX Data Breach Fiasco previously and I should n't have to continue to deal with issues like this. I am asking for assistance in getting this inaccurate information removed from my credit report because It is causing detrimental harm to my credit. I am in the process of purchasing my first home and to have to go threw this is ridiculous.

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 04-11-2015 about Student loan (Non-federal student loan) with LOAN TO LEARN (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XXXX has tried XXXX times to take me to court. 
XXXXThe XXXX time was in XXXX where the attorney for them was XXXX XXXX. XXXX XXXX hounded me and violated the FDCPA, and I sent him a cease and desist letter through an attorney. The attorney later left the case citing there was n't enough information to follow through on FDCPA claims ( I later found out I have a phone recording that verifies my statements and shows that the FDCPA was violated ). I went to the courthouse on XXXX/XXXX/XXXX at XXXX XXXX to no other parties and was told that the case was dismissed. 
XXXXThe XXXX time was in XXXX and the case number is XXXX. This was in XXXX after not following through with the lawsuit in XXXX, where I have stayed since XXXX. I was told by my father that a sherrif attempted to serve me papers at my parents house in XXXX of XXXX, my father told him that I do n't live in XXXX and the sherrif truned around and left. This time I recieved no notice in the mail about this lawsuit, aside from letters offering me representation from XXXX. When I called the letters back, I was told that since I live in XXXX, I ca n't be represented by them because they are in XXXX. 
XXXX XXXX of XXXX I recieve another letter in the mail from a lawyer offering me representation concerning a case against me. I was told a lawsuit was filed yet again by XXXX, but I had n't recieved anything in the mail. I look the case up ( again only off of information from mail that could be considered an ad ), and see the the hearing is scheduled for XXXX of XXXX. I start seeking representation to surmount a defense against this predatory lender, and while in the middle of this I recieve a letter on XXXX XXXX, XXXX saying that a judgement has been entered against me. 
1. I was n't properly served papers at my house for the most recent case, despite recieving the notice for the other case at my house from the same lender two years ago. 
2. This lender has used collectors that violate the FDCPA and have harrased me for years. 
3. The co-borrower is my mother, who passed away in XXXX. While my mother 's estate was being settled, my father and I recieved an offer from XXXX to settle the loan for {$7000.00}. When we were willing to take the offer, XXXX pulled the offer back after having adknowledged the fact that they initiated the settlement talks. This led to my father saying he will not help me with my student loans and XXXX starting these predatory tactics. 
I do not have the money to settle this matter, nor do I make enough the satisy the minimum payment. Everytime I speak to them and tell them my finances, I am told that I am lying about my finances and that I am living in poverty. If I am in poverty and I am telling you this, how am I lying? 
I do plan on paying these loans back, however I am not able to at the time. The job market is rough and dealing with these lenders are preventing me from devoting my energies on finding a job.

Company response to consumer: Closed with explanation