milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2018 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Trouble during payment process

Complaint: Since XX/XX/XXXX, we have a home mortgage loan with Caliber Home Loans. We were affected by Hurricane Irma in XX/XX/XXXX. Caliber told us that we qualified for a 2 month forbearance for the months of XX/XX/XXXX and XX/XX/XXXX. We were under the impression that our payments that were not made in XX/XX/XXXX and XX/XX/XXXX would be added to the end of our loan. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX we continued making our regular mortgage payments by calling in over the customer service line. Caliber stopped allowing us to pay our bill online and were required to either call in ( for a fee ) or mail a check. Each month our mortgage statements stated that we are delinquent although we were a part of the natural disaster. We were also charged a fee for an " inspection '' that we were not aware of until after the fact in XX/XX/XXXX. This was not disclosed when we started the forbearance by the representative who we spoke to. We were treated like we simply stopped paying our mortgage instead of being a part of the natural disaster program. The process was not as simple as they made it sound and in fact has caused a lot of hassle and complications. 

I spoke to an agent on XX/XX/XXXX in regards to our statements showing a past due balance and being delinquent to get a better understanding of the entire process. The process feels very deceitful because now we are forced to do one of two things : 1 ) Bring the loan to current status by paying the entire 2 months at once or 2 ) going through a loan modification which increases our loan length and our loan amount by thousands of dollars. The agent said that many customers were calling in with similar complaints. The representatives who enrolled us in the natural disaster forbearance did not disclose these additional details. It seems to be that Caliber is taking advantage of customers who suffered during a natural disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (I do not know) with Prosper Marketplace, Inc. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: My son was given two loans that should have never been given to him based on his income debt ratio. The loans were by two separate  companies. One was XXXX XXXX XXXX and the other was through XXXX XXXX. The one was for {$20000.00} and the other was {$17000.00}. Since he could not afford the payments they went into collections, which is where his father and myself came into the picture. 

The one loan was negotiated with a XXXX XXXX XXXX. XXXX XXXX Their address is XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. I dealt with a XXXX and XXXX XXXX. They of course used all the tactics from nastiness to ruining your credit to garnishing his wages. The other company XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. I dealt with XXXX and a XXXX XXXX. Same tactics very nasty and threatening. It was a very upsetting experience because they play hard ball and your already upset that your child is in this horrible situation, and your trying to help him through something that should never have happened in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (CA).
Issue: Fraud or scam

Complaint: I purchased a reloadit money pack so that I could transfer the funds to my XXXX account. I have never used on before, but since it was at my local XXXX I figured it would be easy to do. I purchased it with {$400.00} cash. I have the receipt. I have tried over and over again to access the money through their website but it wont let me sign up, for over a week now. That money was supposed to be used to buy my family XXXX presents. They said it would take 30 business days to refund my money. I think this is a scam. How are they allowed to operate their business like this? Please help me resolve this. I am a hardworking taxpaying family man. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-11-2016 about Debt collection (Medical) with Account Brokers Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was ordered to pay on a judgement for Account Brokers of XXXX County. I was garnished and they took {$2000.00} for a {$1200.00} work of debt. I pulled a credit report and show an {$18.00} collection for interest. I was not contacted by them and do n't have any accounts with them anymore or with XXXX XXXX XXXX XXXX or XXXX physicians which were the original medical collections. They have reported this to all XXXX credit bureaus as well. They have also refused to update the credit bureaus showing that I have paid off their collection accounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (CA).
Issue: Trouble during payment process

Complaint: I refinanced my home at closed escrow at the end of XX/XX/XXXX. My new mortgage lender paid my installment of taxes due as they needed proof that they were paid however my old mortgage lender M & T Bank had already dispersed the taxes due ; {$4200.00} to XXXX XXXX County. I have called several times since then to find out where my refund is and the first time spoke to a XXXX on XX/XX/XXXX who told me it would take about 30 days to receive it. Then I spoke to a XXXX on XX/XX/XXXX that told me they should be mailing it out by XX/XX/XXXX and also to a CSR named XXXX on XX/XX/XXXX that told me they should be sending it out in a week or so. Then I called again on XX/XX/XXXX and spoke to a XXXX who told me that they verified that XXXX from XXXX XXXX County said that they refunded M & T the {$4200.00} for the taxes. NOW I am being told it may take up to 8 weeks to get a refund? This does not seem right as I paid off the loan successfully, paid on time and even sent them proof that my new lender paid the taxes as well via email on XX/XX/XXXX. Why send them proof when they are just going round and round. I just want my refund for my impound account sent back of {$4200.00} ASAP and I hope that I do not have to wait 8 weeks when my loan was paid off as mentioned XX/XX/XXXX and the taxes were paid in full as well for the XXXX installment. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have contacted Navient two times to discuss decreasing my monthly payment due to my financial situation. I have provided them with my monthly expenses. They stated that they need my father 's information, as he is the cosigner. I have informed them twice that he is currently XXXX and not able to help with payments. Both times, they have told me they will send me the required paperwork to complete to verify my father 's XXXX status. I have never received this paperwork, either time I was told I would get it and have not even been given an option to lower my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IL).
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: in XX/XX/XXXX i told XXXX precisely the garage door opener system i had and ordered the opener remote control item they said would work. it did n't. completely wrong. also no invoice was enclosed with the item, but the charge ( {$82.00} ) appeared on discover. after trying unsuccessfully to make it work XXXX sent me a second, different product, which did work. i asked for a shipping label to return the first, incorrect item. they sent me a label for the second, correct item which i wanted to keep. i contacted them again on XX/XX/XXXX and they said, " Upon checking on the order, I have see that you can return the item on store. 
Visitor ( XXXX GMT ) : ok thanks. i 'll take everything i got with me. 
XXXX ( XXXX GMT ) : Please visit store with your invoice and our team will help you! '' so i went to a XXXX store where they refused to take the item back. they said that they did n't carry it. 

i contacted XXXX again on XX/XX/XXXX and after a long talk, XXXX could find no record of the first purchase ( wrong part ) : " XXXX ( XXXX GMT ) : I believe in keeping transparency. The order number provided by you does not show up in your order history. '' i gave them every number on the package i could find plus they had my name, address, date of transaction, part number, etc. still they found no record, so they would not let me return the item. 

now discover has sided with XXXX, saying i must provide proof of return in order to get the charge reversed. I mailed discover transcripts of all chats ( several pages ) documenting that XXXX sent the wrong part, sent me the wrong return label, told me to go to the store where they refused the part, and finally had no record of me ever buying it so i could n't return it. how can i get proof of return when XXXX  wo n't let me return it? i think i have done far more than my share to resolve this, including more than an hour and a half on chat and wasting time and gas driving to the store as they directed me as well as printing and mailing pages of transcripts along with every number concerning the part that i can find. 

sorry this was long. thank you for your patience. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: ACCOUNT RESOLUTION SERVICE # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with ACCOUNT RESOLUTION SERVICE. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt ACCOUNT RESOLUTION SERVICE purport I owe. I request that ACCOUNT RESOLUTION SERVICE. 
Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ACCOUNT RESOLUTION SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Nothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( 1977 ), 15 U.S.C. 1692, as amended, or deprives any debtor of the right to assert defenses as provided in section 1317.031

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 12-02-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery keeps calling me over and over. I have asked them to stop calling I have no unpaid debts. XXXX is the number they call from

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2015 about Credit card () with CITIBANK, N.A. (DE).
Issue: Billing statement

Complaint: I made a purchase in XXXX with my Macys credit card for about {$43.00}. I never received a paper statement. I did find a email in my junk mail after the fact with online statement. I did not receive any additional statements once a singe payment was missed as well as a second additional payment. The balance today is {$110.00} after a {$27.00} and {$38.00} late fee was charged. this fee is outrageous given the balance. Second, when signing into my account, access to statements is disabled because the account is past due. I also am unable to review my disclosures as I was concerned about the late fee terms associated with balance amounts. After I called, no attempt to resolve the balance was made even though it was not intentional to miss the payment. I am writing this because I feel that the macys credit card has exercised unfair practices that resulted in multiple missed payments and then is attempting to get almost triple the money based on the original purchase amount. In addition, my credit report will most like now be effected, and I have no power to negotiate with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to receive phone calls and letters from MCM ( Midland Credit Management Inc ) stating that they are acting on the behalf of XXXX XXXX. to collect a debt of {$590.00}. I have a current and active account with XXXX that is up to date. I do not owe this fraudulent debt that is being solicited by MCM. I have stated this verbally and written letters and reported this to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Billing disputes

Complaint: I moved from XXXX to XXXX. I had sent request to post office to forward all my mails to new address. I was getting letters from everyone, and many automatically updated my new address. I never got any letter from Macy 's /Citibank Credit Card XXXX I bought something for {$20.00}, and after 6 months with all late fees and interest Macy's/Citibank is asking me to pay {$230.00} XXXX 10 times XXXX. I asked them to settle this and only thing they are offering is removal of XXXX late fee of {$35.00}. I would be happy to pay {$20.00} + Interest. I would like Macy 's /Citibank to remove all late fee charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In the attachment, XXXX credit bureau has incorrect information. I have never had an account at XXXX. 

Why is this account ( for which I have never had ) appearing on my credit in XXXX, when the debt is zero and the original ( inaccurate ) report is listed as XXXX? Can you please work with Transunion to remove this from my credit? 
Thank you, XXXX XXXX The company responded with a non-answer. I want the company to actually RESPOND with real information before I get a lawyer. Why is the XXXX EVENT on my credit, and I dispute the initial validity of the XXXX event.

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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (ID).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have experienced many issues with Ditech who now has my former Green Tree Financial loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation on XX/XX/XXXX with Ditech that my current home loan with Ditech Loan # XXXX is reporting past due payments on all credit reports. Ditech told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX XXXX XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was attending XXXX XXXX College when these loans were taken out. However the school is no longer on business and has closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I AM PARTLY RESPONSIBLE FOR THE XX/XX/XXXX XXXX XXXX CONSENT ORDER AGAINST OCWEN.THE STATE OF XXXX THEN VOIDED OCWEN 'S PURCHASE OF THE MORTGAGE SERVICING RIGHTS OF XXXX AND XXXX, WHO I HAVE BEEN SUING SINCE XX/XX/XXXX. 
OCWEN GOT AN UNLAWFUL SUMMARY JUDGMENT RIGHT AFTER THAT IN XXXX XXXX FOR {$450000.00} IN FL. XXXX XXXX XXXX CASE XXXX FILED BANKRUPTCY, ALL " DEBTS '' DISCHARGED, BUT STILL OCWEN TRIES TO FORCE PLACE INSURANCE ON A PHONY " SECURED LIEN '' OCWEN HAS NO LIEN, I RECENTLY SENT YOU A PACKET OF INFO TO ENFORCE THE CONSENT ORDER AND MY CLAIM OF {>= $1,000,000}, DUE TO OCWEN HAVING XXXX YEARS TO CURE BUT THEY HAVE NOT.TODAY I CALLED AND YOUR OPERATORS WERE INCOMPETENT.I WAS FORWARDED TO THE WHISTLEBLOWER DEPT. BUT DISCONNECTED. I NEED SOMEONE IN THE XXXX DEPT TO TALK TO ME AT XXXX, SINCE I AM A PRO SE PLAINTIFF ON THIS ISSUE FOR XXXX YEARS I KNOW PLENTY AND AM DUE {>= $1,000,000}. SOMEONE PERHAPS ON XXXX OF " XXXX. GOT MY INFO, AND I NEED TO TALK TO THEM.THAT WOULD BE XXXX, I RECENTLY SENT OCWEN A DEMAND FOR VALIDATION OF DEBT PURSUANT TO FDCPA # XXXX AND THEY HAVE NOT YET RESPONDED.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (VA).
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: XXXX XXXX At XXXX XX/XX/XXXX 2012 I contacting the collections agency and there is no way to contact the original debtor. I was a victim of a property manager there who copied court ordered documents and switched the dates in order to force evictions and get judgements. The company no longer exist and it has affected my credit and any possibility of renting another property. I have been trying to get this problem resolved for sometime now. The amount is {$3400.00} and is handled through National Credit Systems XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (I do not know) with Rent Recover, LLC (MN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Oranization filed a collection action XXXX XXXX 2016 without notification or explanation of debt. The collection appears in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am over Equifax and their lack of investigating anything. I have tried to get several things fixed and one of the main issues is my last name. I have sent them documentation showing my correct last name but no one is looking at anything!! They mandate I send proof with every correspondence yet they must not be reviewing what they are mandating. My last name is XXXX, not XXXX. The city I live in is XXXX. Just what does that say about anything they report? I have sent several and I do mean several request that they fix my name and they continue to send back wrong information. How can they get away with it? I am sending the same exact documentation I send to them each time showing MY NAME! If they have my last name wrong and continue to report it wrong, I'm wondering just how the heck are they able to validate anything?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Experian lowered my credit score by XXXX points on XX/XX/2017. 
I have called them twice to get assistance and the cause of the action. 
Experian refuses to give me facts on why the scored dropped by XXXX points. XXXX @ Experian told be today it was because my credit card balance went from {$200.00} to {$480.00}, the card has a max available credit of {$12000.00}. When I contested his statement he refused to tell me the facts of why my score was lowered by Experian. 

Credit reporting companies are not allowed to arbitrarily change scores. They must provide the facts to the consumers of why they have lowered the scores. They must tell the consumers specifics on the credit report that cause the change in score, not speak in theoretical terms!

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 03/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was notified that my private loans carried through Navient had gone into repayment. I called regarding the repayment because the amount was over 50 % of my income. I informed Navient that I am unable to pay this large amount. I was told that there are no options for repayment, etc. After speaking to a few different people I was told my only option is deferment. I deferred the payments for one year. The interest ballooned and was added to my loan. I 'm confused over two things : 1. Why did my school put me k to loans that offer no benefits my first year of XXXX, and 2. Why do I hear that there are assistance programs for my loan?

Company response to consumer: Closed with explanation