milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My financial hardship began on XX/XX/XXXX when I first fell past due with my payments on my mortgage thru Caliber home loans. Prior to falling past due with my payments I had contact Caliber home Loans and advised them of my situation, they had advised me that they could not help because I was current and that I needed to fall past due to get help, I let them know I was no longer able to afford the mortgage due to only XXXX income so I would need to default XXXX way. I had applied for help 7 times only to be denied over and over again. I finally received help on XXXX XXXX where I was approved for a trial plan, the plan trial was set for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with payments of {$530.00} which I made a 3 payment on time and was looking forward tot he final documents to get this nightmare behind me. I waited for 5 months calling them almost daily requesting the final documents but I never received them, I then later called Caliber and they advised me the loan was denied on XXXX/XXXX/XXXX for failing to sign the final documents. 
I argued with Caliber to resend them but they refused and have scheduled a foreclosure date for XXXX/XXXX/XXXX. Caliber had advised me that the only option was to reapply, I received the documents on XXXX/XXXX/XXXX to reapply which I filled out and sent it back on XXXX/XXXX/XXXX, I have been calling daily but they say they have not received it. My divorce was finalized on XXXX and I gained full custody of my son it 's hard already not having his mother in the home but to lose our home too it 's not fair for him. Please help me in saving my piece of the American dream, my home.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Debt collection (Non-federal student loan) with TekCollect Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: First, this debt is owed by a XXXX company I worked for and the agreement was made between University XXXX XXXX and XXXX. Second, This collection was put on my credit report days before I received a very unprofessional letter stating I have until XX/XX/2017 to pay off the debt or make arrangements for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I ordered my credit report for {$19.00} from Equifax. They, in turn, with much confusion turned my {$19.00} charge into a " Monthly Billing '' of {$19.00} for some XXXX. When I found out they had charged my credit card {$19.00}, while still pending, they REFUSED to issue a refund to my card. I was actually UNABLE to purchase the actual Equifax Credit Report I was hoping to buy. When I called them they apologized and refused to issue a credit. Also, when I called I got someone in another country and had to insist that I be transferred to someone in America as the person was " not fluent in XXXX '' and extremely hard to understand. I did not " sign-up '' for a monthly monitoring service, I have a Law Firm who does that. I attempted to purchase and Equifax Credit Report and was not able to " obtain '' the actual Equifax Credit Report. This is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a collection for XXXX XXXX on my credit report and when i call the company in question to find out what its for they say they have no record of a collection with them but yet its still on my credit report. I have tried numerous times to get it removed from my credit report thru different investigations but have been unsuccessful.

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 04/26/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This is a continuation of my previous complaint #  XXXX .  Nelnet  did not explain why my loans are being reported as  XXXX  different accounts on my credit report. They claim there are  XXXX  accounts. I uploaded a copy of my credit report showing  XXXX  accounts and did not receive an y further response from Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I deny that this is my debt, and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Diversified Consultant Inc

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX XXXX XXXX XXXX XXXX service. When I moved I called to close my account. I was told to return the equipment to XXXX. The equipment has returned and I have the receipt. 

I was contacted by a different collection agency in XXXX XXXX and I sent a copy of my receipt. In XXXX XXXX I leaned a collection item was on my credit report. I sent SW Credit a copy of the receipt showing I returned the equipment. They have not removed the collection team from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Payday loan debt) with Enova International, Inc. (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I took out a payday loan from this company. I have done so numerous times and their customer service has gone downhill. This is the final straw, as it were. 

On the week of XX/XX/2018, I tried to set up a refinance. I tried XXXX times over the weekend XXXX XX/XX/XXXX ) and kept getting an error when I clicked the " next '' button. The error read : " Failure to render page correctly ''. Monday, XX/XX/XXXX, I tried again on my mobile and on my work computer. The error still happened. I opened the customer service chat and spoke to someone who updated my ID information ( which had expired ) then told me to do the extension again. I did and under her instructions, I did a partial payment for the XXXX of XXXX and extended the loan for the following date XXXX XX/XX/XXXX ). She told me to do the same thing the next time I wanted to extend the loan. 

During the late afternoon of XX/XX/XXXX, I happened to check my e-mail to find a message from CashNetUSA stating that since I did not make the minimum payment of the loan, they would take out an additional {$250.00} on the XXXX which did not fit into my budget whatsoever. By then it was too late to cancel anything so I went to my bank to ask advice on what I should do because this was completely opposite of what the customer service rep told me. 

My bank suggested that I change accounts that way the amount could not be withdrawn but because of this, none of my other planned withdrawals could process. Because of the error on CashNetUSA 's part, my finances have been messed up for at least a month. I am still trying to make a payment to the company who should have taken money out on the XXXX and I've had to go around and change all my information with places I do business with. 

Since the " returned '' payment, CashNetUSA has been calling and e-mailing me incessantly ; they got a hold of my work number and tried speaking to me a little while ago. The e-mail messages keep telling me to contact customer service which I really do not wish to do since my chatting with customer service is what got me into this mess to begin with. 

Instead, I have elected to make manual payments through my bank to their payment address in Texas and I know they have accepted my payment because when I check my account balance, the amount has gone down. I am just tired of the issues I have had with this company and I would not have taken out this last loan with them if I hadn't needed to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Settlement process and costs

Complaint: Submission of documentation - additional issues related to complaint number is : # XXXX. I have had this issue before - while undergoing a loan modification, the constant resubmission of documents. I have a realtor, the house is on the market, and BoFA is stalling with questions already answered during the loan modification and are requesting documents that has been submitted XXXX to XXXX since XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Behind in payments on my daughters student loan, as co signor I got involved with the bank. On XXXX XXXX, 2015 they called and said I would have until XXXX XXXX, 2015 before it went to collection on XXXX XXXX, 2015. I made the payment that evening and it cleared that evening. The very next day the school paid the loan off in full without any communication with us either from the bank or the school. The school then sends the loan to collection without any communication with us and collection agency adds XXXX. I feel that the bank told me I had 30 days and the very next day closed the account out. Is this " fraud by deception ''? XXXX specialists from the bank assured me that the loan did NOT go into default and therefore was not going to collection. 



















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 non-monetary relief
Consumer complaint received 01/30/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Although I have written confirmation dated XX/XX/XXXX from XXXX of the XXXX Executive Office confirming the XXXX hard credit inquiry someone made using my personal information is fraudulent, Equifax refuses to remove it. XXXX at XXXX insists he has already notified Equifax and the other bureaus. Although he admitted not every electronic communication is received, he adamantly refused to re-send it. When I contacted Equifax on XX/XX/XXXX, I was turned away by " XXXX '' with no help, saying they did not receive any notification from XXXX and suggesting I go back to them. When I did so I was informed that XXXX has the ultimate authority on this and no one else there would get involved. No other suggestions were provided on how to resolve this impasse. So we have XXXX and Equifax each pointing the finger at each other for something that could be resolved quickly by a few computer clicks. Removing a fraudulent hard copy inquiry is the right thing to do and should be a no-brainer. I would have thought these employees work in customer service, but apparently reaching out to each other and communicating in order to best serve consumers is just not something they do. A XXXX hard copy inquiry also remains on my report at XXXX, so apparently they did n't get the word either. Although XXXX says all bureaus have been notified, XXXX out of the XXXX retain this fraudulent hard copy inquiry today. I am simply asking - AGAIN, STILL - that Equifax remove it. Documentation on same including police and FTC reports, ID and proof of residence are on the way to all 3 bureaus. One can only hope there are some grownups working at the CFPB who can get the others to play nice with consumers and each other. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: XXXX decided to charge my account since my main account was closed due to fraud, and because I did not have enough funds to cover all those transactions USAA declined them all. Declining the transactions is fine. The important issue here is that I was charged a returned fee on every single transaction twice due to XXXX resubmitting those transactions. I called USAA on XXXX XXXX and spoke to an Executive Agent ( Supervisor ) who stated she would make an exception and waive one last overdraft charge to help me out. Also, she stated she would put a stop pay on those transactions to prevent them from hitting my account. Today to my surprise I see that the credit she promised is not there and also another transaction from XXXX caused another overdraft. I ca n't remove the account on XXXX 's end because there are pending transactions. I need someone to review my calls and explain to me why I was lied to. I 've had my account for years and I 've never had this issue. I just moved my entire family from Puerto Rico to the states because the hurricane and this bank has decided to not help at all with the situation. Also, they are not allowing me to close the account which to be honest would have solve the entire situation. Currently the account is still overdrawn due to the missinformation I was given when I called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
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: XX/XX/XXXXask for information on how information was obtained and proof that debts where in fact mine and who collected this information and process this verification obtained I received a letter dated XX/XX/XXXXthat ALL INFORMATION WAS VERIFIED and not one item was confirmed with proof of verification as stated by federal law

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 11/13/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a medical collection on my report that is not mine, account # XXXX. I have disputed this information with Experian several times since XXXX this year and the collection agency ( XXXX XXXX XXXX ). I have send certified letters and requests to validate the debt and remove it from my report as it does not belong to me. Experian is failing to delete and re-investigate the collection. Experian keeps stating that " They have contacted the furnisher of the information and verified the account ''. The furnisher can not verify the account and because of that they have closed the account. I have filed complaint against XXXX XXXX XXXX ( XXXX ) through CFPB case # XXXX. XXXX is stating that they have closed the account and send the request to delete to Experian. I have disputed the information again with Experian on XXXX XXXX, 2015. Experian fails to re-investigate and delete. Experian continues to report false information on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2016 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My account is being handled by XXXX XXXX XXXX XXXX and is being reported as over 90 days late. Trying to have reported as current and willing to pay to bring under 90 days and receive proof via fax by Barcley Bank is not being done, transfered and given differant information.

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 04-04-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I a writing in regards to an issue I discovered last regarding communication received from Great Lakes, a federal student loan servicer, about my eligibility for the Public Service Loan Forgiveness Program. I have worked for the State of Michigan for over 17 years. After graduating from school in XXXX I contacted my loan servicer to consolidated my loans. In those discussions with the loan servicer we had conversations regarding the PSLF program and eligibility requirements. I ended up consolidating my loans under the assumption that I was under the correct program. 
Several years into repayment ( XXXX ) I reached back out to my servicer to ensure that I was under the correct loan repayment program to qualify for forgiveness under the PSLF program and was assured that I was. Several years later ( XXXX ) I did the same and was assured again that I was in the appropriate program. In XXXX I also completed the paper work necessary to formally certify my employment with the State of Michigan. Subsequent to this paperwork being filed my loan was transferred to XXXX. Last week I received noticed that the repayment plan that I am under is not an eligible repayment plan. I immediately made contact with Great Lakes and they indicated that they would be able to provide me with any assistance regarding their misrepresentations and misstatement of facts and that I should contact the FSAOmbudsman. For 5+ years I have been paying in the wrong repayment program. I trusted the Loan Servicer in providing the appropriate expertise in this area and in relying on this information I have suffered a loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 previously disputed negative/adverse items on my credit report and requested validation in form of the original signed documents or contracts. On  XXXX   XXXX ,   XXXX   I sent a certified letter to Equifax regarding unverified negative items being reported on my credit report. I specified that I was requesting Equifax to comply with the federal law and send me the original signed documentation/contracts showing my signature on these negative items that they are verifying on my report. After Equifax 's " investigation '' the negative items came back as being verified with no documentation with my signature that is required by the FCRA. I have spoken with numerous reps at Equifax regarding these negative items and have yet to get this resolved. Equifax has told me that their " verification '' consists of sending an electronic message to the courthouse or company through  XXXX . Once the court or company " verifies '' it, the information is sent back to the credit bureaus. I contacted the court and they advised me they DO NOT disclose, release, or verify any information with the credit bureaus or an y 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised me that the infor mation is verified by a runner that goes to the courthouse to " verify. '' I asked what information does the runner give to the courthouse and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that so I spoke wi th a manager that stated that since this was a reinvestigation, no runner was involved. The manager advised me that Equifax uses a " form '' that they send to the courthouse. I asked what type of " form '' and  where is it sent because the courts confirmed with me that they DO NOT verify with the credit bureaus. Equifax refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify these items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have been asking Ditech for a mortgage modification since XXXX. The first was denied on income so I appealed since I started a new job. I faxed them ALL of the information they requested and have copies of the fax documents and upload reports and when I called they said they had the information. Then on XXXX XXXX they called and said my modification was not approved for lack of documentation and I should send in a letter stating I wanted to apply for another modification. On XXXX XXXX I received a certified letter informing me they are going to foreclose on my house on XXXX XXXX. I sent all of the documentation XXXX with a signature to make sure they have no reason to say that it was never received and now when I call they say it is pending being assigned to a loss mitigation representative. 

I would understand if I did not send/re-send/re-re-send/re-re-re-send the same documentation over and over. It appears they are dragging their feet awaiting the foreclosure.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation