milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2016 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I purchased a Townhome in XXXX, SC as a Veteran loan, which was financed by XXXX XXXX ( XXXX ). I satisfied all pre-qualifying requisites to include obtaining flood insurance beyond the general home insurance. After a couple of months, XXXX sold my mortgage to Caliber Home Loans. On XX/XX/XXXX, Caliber Home Loans notified me that they had deducted {$2700.00} to purchase comprehensive wind insurance on my behalf. Although I understand I can purchase my own wind insurance, I find this practice quite arbitrary since during the loan qualifying process, XXXX XXXX did not require it. Further when I contacted them, they stated I was not required to get this insurance and even attempted to contact Caliber Loans on my behalf ( See attached e-mail ). Caliber Loans chose to purchase my mortgage, not the other way around and they did so knowingly I had no wind insurance, which as previously stated I 'm not required to have. If Caliber Loans feels they need to further protect their investment as they have stated on their notice to me, then that is a financial expense that they need to afford themselves, instead of placing this added financial burden on my and my family. A consumer should not be subjected to new requirements every time a loan is sold to another financial institution. This is not a fair practice. I asked that they return the money they deducted from my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
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: On XXXX XXXX, 2017 I sent a certified letter to XXXX, TransUnion, and XXXX on behalf of myself and my husband regarding a Bankruptcy listed on our accounts. Per the FCRA 623 ( a ) ( 5 ) requesting validation with the original creditor. I have contacted the Bankruptcy courts and requested policy information regarding the validation of the Bankruptcy court records, as the information appearing on our files is inaccurate and inconsistent. Per the Bankruptcy court they have not only not received any requests to validate this information, they do not validate this information and they only provide the case number and name on a bankruptcy. As such there is another couple within the same county we live with the same names as my husband and I and our information is frequently confused when we have gone to assess our personal property and have received mail for the other couple from the Tax assessors office in the past. I have requested copies of the documentation used to validate this information and it has been returned to me again as verified without providing documentation. Per the FCRA 609 ( a ) ( 1 ) ( a ) I am now turning to you for assistance in this matter. And request that unless physical verification can be provided to me all information obtained in these listings which is inaccurate, inconsistent and erroneous be removed from our credit files. Instead, I am in receipt of letters stating that unless I provide new information to support my claim they will not be re investigating this matter again. The investigation never took place to begin with.

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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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 inquiries due to fraud appeared in my Equifax report XXXX  and XXXX of XXXX. I contacted the bank in question and notified them of the fraud. They immediately closed the account and mailed paperwork confirming the events. They also notified the credit reporters to remove the inquiries. Finally, I submitted a fraud alert with Equifax XX/XX/XXXX.
90 days passed.
I submitted a dispute XX/XX/XXXX with Equifax because the inquiries remain.
90 days passed.
I received no response from that dispute. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX. I received the same generic responses that the fact an inquiry happened, despite being fraud, validated its reporting.
I contacted XXXX again and they verified the events of the first call and that they would remove the inquiries. XXXX again sent me a letter of verification, and again contacted Equifax asking them to remove the inquiries.
90 days passed.
It has been almost a year. The inquiries remain. Trying to submit another dispute now results in an error on their website. Emails to contact links are bounced back. These problems needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Problems when you are unable to pay

Complaint: Prestige Financial contacted XXXX of my references and gave detail information on her voice mail regarding my account : My account number, the amount of days past due, My full name and also other confidential information that was not permitted to give out to any unauthorized 3rd party. 3rd party ( reference ) advised Prestige Do not Call her phone any more and she was called several times after that. I have received threating emails, text message and calls multiple times a day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While reviewing a copy of my Experian credit report I noticed a total 5  unauthorized credit inquiries being reported. The companies listed below should n't have been allowed to access my personal credit information or put a credit inquiry on my file because they did not receive any type of authorization from me prior to doing so.
<P/><P/>
XXXX XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) I am requesting that the above unauthorized inquiries be removed immediately from my credit file. Again, I did n't authorize anyone employed from any of the above companies to make these inquiries or access my credit report. Please remove the inquiries from my report as pursuant to 15 U.S.C. 1681b Section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. This is a serious breach of my privacy. I have sent letters to the above companies and asked them to stop the unauthorized inquiries and have them removed from my credit report. However, it has been 60 days and I have had no response from them. I have also placed a credit lock on my Experian report which will hopefully help to avoid these type of un-authorized inquiries in the future.

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 09/28/2015 about Credit card () with CITIBANK, N.A. (NM).
Issue: Billing statement

Complaint: I sent payment to Sears Credit card this past XXXX XXXX in the amount of {$200.00}, when I saw that payment had not been posted to my account on following statement I called Sears Credit card and spoke to a customer service representative, Since I sent a XXXX XXXX money order I submitted a trace and received a response that payment was received. I contacted Sears again and spoke to someone and stated that I submitted a copy of Money order trace, the person that I spoke to put me on hold and told me that yes they had located my money order and that my payment would be credited to my account shortly, several weeks lapsed before I called again and was told by a customer service representative that my payment would post the following Monday, a few days away ( this was about a month ago ). I then called last week and spoke to a customer service representative and she stated that payment had not been received, that she would refer my issue to the billing investigative department, I 'm back to square one. Sears Credit card has my payment but will not post my payment to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received ( XXXX ). Per the terms of the promotion, I would receive XXXX XXXX XXXX AAdvantage bonus miles upon completion of {$1000.00} in qualifying debit card purchases and one or more qualifying bill payments for two consecutive calendar months, with all requirements to be completed within 60 days of account opening. A copy of the terms and conditions of the promotion is attached. 
I completed the requirements on XXXX XXXX, 2016 and messaged Citibank on XXXX XXXX, 2016 via their online live chat system to confirm that I had fulfilled the requirements to receive my XXXX AAdvantage miles. A Citibank representative confirmed that the requirements had been met and that I would receive my XXXX AAdvantage miles around XXXX XXXX, 2016, which is in accordance with their terms and conditions that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' A copy of this chat log confirming completion of the requirements is attached. 
I sent a secure message on XXXX XXXX, 2016, 94 calendar days from the date when I completed all offer requirements, to ask about when my bonus miles would be deposited. A representative replied on XXXX XXXX, 2016 that I was not eligible due to not being targeted for the promotion. The original terms and conditions of the offer contained no such language that receiving the bonus miles was contingent on being targeted. It states that the offer is available to Citi ( R ) / AAdvantage ( R ) credit cardmembers who received the communication, are new consumer checking customers XXXX years of age or older, and did not have a consumer checking account with Citibank at the time of applying. I met all of those requirements. 
My application was accepted with the promotional code and a Citibank representative confirmed that I met all requirements. Therefore, I expect Citibank to honor the promotion as well as their promise to deposit my bonus miles 90 days from when I completed all offer requirements ( XXXX XXXX, 2016 ). As of today, 96 calendar days have passed from the date when I completed all offer requirements, and my AAdvantage miles have still not been rewarded. It is apparent that Citibank is deceiving new customers and I advise others to not do business with them unless this can be resolved.

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 03-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with STATE FINANCE COMPANY (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have sent one of their " representatives '' to my place of employment. They are also coming to my home in person.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I ASKED THEM TO PROVIDE ME COPIES OF DETAIL LETTER FROM THE CREDITORS FOR ALL THE INQUIRY IN MY ACCOUNT. BUT THEY ARE SAYING ITS VERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (IL).
Issue: Loan modification,collection,foreclosure

Complaint: For the past two years, my mortgage was sold from one company to another, while I was in modification process, by the time the process goes thru, my mortgage would get sold. then I would have to start all over again with the other company. I have dealt with XXXX mortgage companies in the past three years, this last company Nationstar has been the worst, they dragged me thru this modification process, just to deny it and refuse to do anything, stating me its too late, I am desperate and very upset and do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 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: Information belongs to someone else

Complaint: Sent several letters and faxes to Experian requesting that  XXXX   XXXX  be removed the account does not belong to me. This has not happen. Experian keeps coming back stating the information has been verified. Experian has not provided me nor has the company provided me with any documentation that this account is valid. The account is showing closed with  XXXX  balance on my report and I would like for this information to be removed since there has not been any validation of the account sent to me. I am uploading supporting documents.

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 04-09-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: CHASE XXXX XXXX COMPANY NEVER SENT ME A NEW CARD AND I SEE A MULTIPLE FRAUDULENT CHARGES IN THE ACCOUNT AND THE ACCOUNT HAS BEEN CLOSED ALMOST A YEAR AGO AND THEY SHOWED {$550.00} AS A VALID BALANCE IN THIS ACCOUNT AND THEY USE MY PERSONAL INFORMATION TO REPORT THE NEGATIVE LATE IN THE ACCOUNT TO CREDIT BUREAU AGENCIES, I CONTACTED THEM MULTIPLE TIMES AND THEY DIDI NOT EVEN RESPOND TO MY INQUIRES, NEED YOUR HELP TO REMOVE THIS DEBT OF MY ACCOUNT COMPLETELY BECAUSE I`M NOT RESPONSIBLE FOR ANY OF IT.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Other debt) with McCarthy, Burgess & Wolff, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I received a letter in the mail from McCarthy, Burgess & Wolff ( MB & W ) stating that they are a debt collector attempting to collect a debt from XXXX. I immediately called them at XXXX and spoke to XXXX XXXX. I disputed the debt and asked for additional information. Between the dates of XX/XX/XXXX I repeatedly called MB & W at the same number requesting updates and continuing to dispute this charge. I also spoke with XXXX numerous times and was advised over the phone and in writing that I do not owe them any money. I provided all this information to MB & W verbally and via email. Repeated calls to MB & W resulted in the same answers where they confirmed that they had received my information and were waiting to hear back from XXXX. On XX/XX/XXXX, I received a letter ( .pdf attached to an email ) from MB & W subject of a debt verification notice. I called and spoke with XXXX again and she transferred me to XXXX XXXX ( who I have spoke to before during this process ). XXXX identified himself as a supervisor. He acknowledged receipt of the information I provided from XXXX and stated that " for some reason that is not enough for them to close this debt. He further went on to state that people call all the time and say they are n't responsible for debt and until XXXX provided them further information this was going to sit in collection with MB & W ''. I believe that I have sufficiently proven that this is not my debt, therefore, I am opening this complaint against MB & W.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Bank of America did not properly re-evaluate my loan modification. They did not take into consideration the new payment tripling my loan amount. In addition, they did take into account recent developments, such as XXXX renters downs, as well as other mostly payments not listed. 

They continually change personnel to assist me, making XXXX attempt then never hearing from them again. 

The CFPB is NOT holding this bank responsible for their actions. 

Bank of America has over XXXX public complaints in recent time. Allowing this bank to continue in this matter makes one wonder what is the purpose of the CFPB. 
XXXX I will begin letters regarding bank of America and the CFPB to media outlets.

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 12/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My name is XXXX XXXX and I am filing a complaint on XXXX. I was shocked to find on my credit a debt of XXXX in XX/XX/XXXX or XX/XX/XXXX after running my annual credit report. I reached out to this vendor and they informed me that they were given my loan from XXXX XXXX. I did not understand what this debt was until further investigation which it belong to Beneficial that had closed their loan offices in XX/XX/XXXX. When I spoke with them in XXXX, XXXX acted like they were a legal agency who was taking me to court so I out of fear begin payments of XXXX per month and eventually as they called once a year and informed me that I was n't making a dent in my account I increased to XXXX per month. Several times I was inquiring about how the debt went from XXXX to XXXX and they informed me it was because of interest. This year I did some research about understanding my rights and I was informed that a agency should not misrepresent themselves as attorneys and any threats made to the consumer are also illegal. Furthermore, when requesting to speak with the initial debtor I was told I could not and they were handling my account. When reviewing my initial documents and questioning the amount I owed I discovered that I only owed about XXXX. Because Beneficial is no longer in business I was also made aware that they went bankrupt and that it may be possible that my debt is cancelled. I am wondering since I have paid XXXX almost XXXX am I still required to pay more than XXXX % of my loan. I read that a consumer must only be made to occur only 1/8 percent of additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I had my mortgage through XXXX XXXX XXXX and was sold to Specialized Loan company. I have been unemployed since XXXX and have been going through the XXXX process since then. I have explained this to this company on multiple occassions. I was in a government program to help with my payments in hopes that my XXXX claim would be approved and I could maintain my payments on my own. After the program ended I filed for 2 modifications to help me keep my home. The first one was denied due to the fact they increased my payment to see if I could pay the new amount before the final modification was approved. The second was denied because my income was lowered and they said there was not a program I qualified for and that if I did n't make my account current they would start foreclosure proceedings. In XXXX XXXX I borrowed from everyone I could and came up with over {$4000.00} to save my home. I made the payment through my bank to them which was sent back. I called and questioned them and they said that since I was behind they could not do an automatic payment and said I had to do XXXX XXXX or a check over the phone for which they wanted to charge a fee. After I threw a fit they waived the fee. I then applied for a forebarence so that I could have some time to get a little breather to come up with money to stay current. I just found out today that they mailed the decison on XXXX/XXXX/XXXX and that they denied me because I did n't have a qualifying hardship. I do n't understand what that even means. I asked to talk to someone else that could explain to me why it was denied and was told that there was no one I could talk to and that the decison was final. But in the next breath the rep tells me that I could re-apply again if I chose to do so. What is the point? What is the point of degrading yourself to ask for help and they are not trying to help you keep your home? I absolutely can not stand this company. I do n't even know what else to do at this point.

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