milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (IL).
Issue: Trouble during payment process

Complaint: Caliber Mortgage took over  my mortgage from  XXXX  in  XX/XX/XXXX . In  XX/XX/XXXX , I received a   XXXX   XXXX   form for {$5000.00}. Note : from  XXXX . I had no association with  Caliber in   XXXX , nor did I ever work for them. Coincidentally, their form  XXXX  misrepresented my real estate taxes by {$5400.00} short. I am not worried about that as I have receipts from  my county tax co llector.  <P/> However, the  XXXX . I have had to pay a penalty and income tax on it ... ..for income I never received.  <P/> I have called them numerous times, and faxed over the form  three times ( as they " do not see it in their system '' ). I have received numerous responses when I call  ... .from ( I see it now ; someone will call you within a week ... .... someone will respond back in 30 days ... ..I do n't see it all ). Help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Mortgage (Home equity loan or line of credit) with Statebridge Company (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I had a loan that was being serviced by Statebridge, Inc. 
The initial loan amount was {$100000.00}. The monthly interest on the loan was approximately {$250.00}. Each month I sent a check for {$400.00}. 

Per the terms of the loan, the extra funds should have been applied to the principal, however it appears that the extra funds were NOT applied to the principal. 

I recently paid off the remaining balance of the loan. The payoff amount should have been approximately in the mid $ XXXX range. However, the mortgage company stated that the payoff amount was {$91000.00}. It appears that since the servicing company did not correctly apply my funds to the principal, I was overcharged several thousand dollars to payoff the loan. 

Additionally, on two occasions Statebridge erroneously reported that my account was delinquent to all three credit bureaus : XXXX, XXXX and XXXX. This severely damaged my previously high credit rating by dropping it approximately XXXX points. This, in turn, impacted my ability to refinance other mortgages and other credit-dependent activities. Again, this happened TWICE. 

I have been trying to get Statebridge to cooperate on this investigation but they have been extremely slow and in providing assistance and follow-up. 

This loan was originally financed by XXXX in XX/XX/XXXX It was then transferred to Statebridge in XX/XX/XXXX. 
It was then transferred to XXXX XXXX in XX/XX/XXXX with whom I made the final payoff. 

XXXX XXXX was closed in XX/XX/XXXX. I therefore have not been able to obtain detailed transaction calculations from them. 
Statebridge is still around and definitely incorrectly calculated my payments. 
XXXX only serviced the loan for 2-3 months before I paid it off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: In my recent review of my credit report In XX/XX/2016 I noticed Central Financial Control is reporting the same account to all three major credit Bureaus. I have disputed this account with the collection agency and they provided me with a itemized statement of procedures performed along with the medical summary of charges. This is a violation of HIPPA LAW. I have uploaded the statement. 
According to my understanding of the Fair Credit Reporting Ac, t their duty as creditors if to accurately report any account and to correct any mistakes and to place a comment of dispute on my credit report within 30 days ; this has not been done as well. 
Central Financial Control XXXX, TX XXXX Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have reached out and filed disputes with Transunion, XXXX and XXXX about reporting inaccurate info on my credit report and the only thing they have done was updated I am not sure of the dates but most recent was XX/XX/XXXX and it came back as not removed or deleted but updated. I have asked these credit bureaus to validate the accounts first and since then I have not received any updates verifying these accounts. I have also called each credit reporting agencies to update personal information and disputed inquries that I have not consent any company to check my credit and there has been no change since last year XX/XX/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 01-10-2018 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Good day, this is XXXX XXXX. I received an alert today from XXXX stating that Southwest Credit Systems has filed a Collection/Chargeoff on my credit files. I contacted Southwest Credit Systems and spolk with a lady named XXXX. She was very ruled and stated that she did not have me in her system but kept asking me for my Social Security Number. I never received any notice or infromation from this company letting me know that I have an outstanding bill. XXXX was threating me with filing a Court Case and stated that she will continue to keep this account on my files.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Comerica (TX).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Comerica Bank on  XXXX   XXXX  in  XXXX  Texas took my Identification and disposed of it without contacting me and when I called to fix problem, they sent me on a wild goose chase for a week. They would not accept my check for deposit after they disposed of identification and would never call me back to take care of issue. This is a very serious matter in which I want resolved. This is the worst experience ever with a financial institution I have ever had. I can not open another account without the identification. I 'm in limbo until then. I 'm beyond upset and feel they should be liable for all fees incurred when attaining a new ID IS as well and any pumitative damages.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Consumer Loan (Vehicle loan) with YKS Acceptance, Inc. (CO).
Issue: Taking out the loan or lease

Complaint: XXXX CO - I purchased a truck from XXXX XXXX XXXX when they would finance the warranty. I have not received payment for the lawsuit filed on them to repay individual who were subject to this financing. When I called XXXX they stated they did not know what I was talking about. How do I proceed to get my refund from them?

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with CURO Intermediate Holdings (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've been monitoring my credit report and I noticed that things that supposed to be removed or not removed they 're just replaced back on the credit report even though it has been removed remove means taking off just 3 weeks ago things were supposed to be removed off my account and I still see them then I need an accurate credit report I 'm trying to reestablish credit and I need everybody to report accurately so that I can get this cleared up and move on with my life my credit is important to me and I feel like everybody should report and identify XXXX things just not related to me and remove them

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX sold my loan to penny mac back in XXXX 2015 the loan was almost 2 half yrs old there now saying that I owe them 2 months of escrow, have not have had any increase in tax or insurance when i originated the loan I paid 2monthes up front so why are they asking for more money in escrow. there reply has been u need to talk to XXXX,,,

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I was reviewing my credit report with Transunion and discovered there are phone numbers on there that are incorrect and should not be listed. I initiated a dispute on XX/XX/XXXX and requested they be deleted from my report. On XX/XX/XXXX I received an email informing me the results of my dispute were available for me to view. I looked at the results and saw that the phone numbers I requested be deleted were still on my credit report with the reason listed as " information updated '' however if the information was updated why are the numbers still on my credit report if they are not accurate?

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 09/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Billing disputes

Complaint: I disputed a charge with XXXX and BOA never responded to my concerns despite repeated requests

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 monetary relief
Consumer complaint received 08/31/2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Rewards

Complaint: This is my second complaint on this issue. Please see case # XXXX. My original complaint was because I was not able to get an answers from Amex about the reward points that were in my account. I was told my account was locked for review but no one explained why. 
Amex responded to that complaint with a letter stating that my account was under a standard review and that the points would be available XXXX-8 weeks form the date the spend was met which was XXXX XXXX. That date was in their letter. 8 weeks ended on XXXX XXXX and the points are still not available. I have spoken to numerous people in customer service and membership rewards ( XXXX ) and noone knows why my account is still under review and they state they are unable to connect me with anyone who can help. Today I was told I needed to talk to someone at corporate and " that I would need to figure that out on my own. '' Seriously? This is what Amex calls customer service for a platinum card? I am still waiting for the call back that I requested 2 weeks ago. I am trying to book a trip on XXXX XXXX in XXXX class on a promotion they have now for XXXX points to go visit my son in XXXX. That promotion ends today. I have spoken to over XXXX people in the past 3 days trying to get this resolved and have gotten nowhere. I am beyond frustrated and seriously disappointed with the lack of help from XXXX XXXX Amex.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Struggling to pay your loan

Complaint: My loan was charged off by USAA back in 2016. I have reached out numerous times and placed on 45+ minute holds in order to gather information about my charged off debt. I have been transferred to a department by the Member Debt Solutions team to provide me information, as well as tried to email and call   XXXX   XXXX   to see if he could route me in the appropriate direction.

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 01-05-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for a loan modification through Nationstar in XXXX. I have made all payments on time as required. While recently pulling my credit report. I noticed they reported I am 90 days late. I called them and asked why and they stated under the modification loan, I am not paying the full amount. They never said this was going to be reported to the credit bureaus and it was never stated in the paperwork I signed. This modification has only saved me XXXX dollars a month and Nationstar will not remove it. I have disputed this with all the credit bureaus but I need Nationstar to cooperate as this is unfair and has destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe this company any money. In fact they owe me money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: With this collection agency they harrassed me and told me that I needed to make a payment. They did not provide me with a written verification of the debt to prove that I needed to pay. They furthermore, did not try to retract the debt from the proper persons.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I filled out a application on XXXX for a payday loan and it had me enter in my capital one 360 routing number and account number and then login to verify it was my account. After logging in I received a message error stating I was blocked from viewing my account data.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/2015, an item appeared on all three of my credit reports from AFNI , inc for an ATT debt. I contacted them by phone XX/XX/XXXX regarding the debt. During that discussion, I explained to them that this was an error and that I was disputing. About few weeks later, I received a letter in the mail from AFNI informing me that my dispute have been investigated and based on their investigation this account has been closed and Afni , Inc will take no further collection action and request the credit reporting agencies to remove. 

After receiving there letter, I monitored my credit report for four months waiting for AFNi to direct the credit agency to remove entry. In XXXX 2015, I sent a certified letter to AFNI requesting removal and validations in which they refuse to respond. So I sent a second letter in XXXX 2015 again requesting validation in which response was received. I also disputed this items with all XXXX credit reporting agencies twice between XXXX 2015 and XXXX 2015 and both times the disputes came back verified. 

With AFNI continuing to report this incorrect information on my credit reports, they have violated on numerous occasions the Fair Debt Collections Practices Act and my rights. They are purposely ignoring all my request for resolution and continue to report erroneous information which is a violation. 

I have reatined all my correspondence with AFNI 's, including copies of the XXXX certified letters I sent and a copy of the letter they sent me dated for XXXX XXXX. 2015 which indicated they will direct the credit reporting agencies to remove the incorrect account information from my credit files. This has not occurred. 

I 'm hoping the CFPB can assist me with resolving this matter before my next course of action of a lawsuit. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Ive reached out several of times to this company to resolve this issue but to no avail theyve yet to correct this issue. They are still reporting an paid account on my credit and its hurting my credit score every time they report it. Its shwoing a negative impact and its hurtinh me financially and causing great stress in my life as Im in the process of the home buying program and this negative impact is affecting me financially and emotionally. I need this removed from my credit, if we cant resolve this issue I will forward this information over to my attorney and I will be filing a lawd for damages and wages. I will also report this issue to the BBB and reach out to the local media about this company. I will file complaint after complaint until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Credit card debt) with DISCOVER BANK (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XXXX XXXX XXXX used extremely aggresive legal tactics to collect on a Discover Card that was used by someone in XXXX XXXX a place I have never been. I finally paid them because they had frozen my bank account though Discover and XXXX XXXX XXXX knew that these charges were not mine. Now after they have been paid they have a lein on my house that is preventing me from refinancing. They not only collect a debt that was n't mine but failed to release their lien on my property at XXXX XXXX XXXX, XXXX nj XXXX. I would like to know my legal options.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company XXXX XXXX have a account that's charged off with a XXXX balance reporting on my credit file and it must be removed, because the account does not belong to me and I do not need any name address and statement as proof, because such information does not constitute a validation, I've never opened any account with this company it's the duty of this data furnished to investigate and resolve the matter, not to send and ask me to send things to them I'm not paying any money to research this account it's not mines and I need it removed and your address is reporting incorrectly ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This was from years ago. My bank blocked payment from an online casino deposit on XXXX. I paid last year to get it removed off my credit report. Now it appears 3 times again on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On or about XXXX XXXX I completed a Loan Rehabiliation program with XXXX XXXX and the US Dept of Education to successfully bring my student loans out of a default status and into a current status. 

As part of completing the program, I was advised that any derogatory information tied to the old accounts would be removed from my credit report and replaced with a new account that does not have any negative remarks from the past. 

On XXXX/XXXX/XXXX - I sent a special written request directly to XXXX. 

In whole, it stated : { { { { { Regarding Account # XXXX Account # XXXX I 'd like to bring to your attention an error with your reporting of a rehabilitated student loan. I have previously disputed this reporting with all three major credit reporting bureaus on several occasions. Specifically, I am expecting the deletion of derogatory credit reporting on any William D. Ford Federal Direct Loan ( Direct Loan ) Program and Federal Family Education Loan ( FFEL ) Program - as specified in the terms of the Higher Education act and the Department of Education. 

Specifically, it says : To rehabilitate a defaulted Direct Loan or FFEL Program loan, you must agree in writing to make nine voluntary, reasonable, and affordable monthly payments ( as determined by your loan holder ) within 20 days of the due date, and make all nine payments during a period of 10 consecutive months.

Benefit : When your loan is rehabilitated, the default status will be removed from your loan, and collection of payments through wage garnishment or Treasury offset will stop. Youll regain eligibility for benefits that were available on the loan before you defaulted, such as deferment, forbearance, a choice of repayment plans, and loan forgiveness, and youll be eligible to receive federal student aid. Also, the record of default on the rehabilitated loan will be removed from your credit history. 

Therefore, I respectfully request you address my concerns here. I have enclosed copies of my credit reports highlighting the incorrect loans that keep getting verified as correct after a credit bureau investigation. For your records, this loan rehabilitation was completed by me early in XXXX, therefore I suspect ample time has gone by for you to correct your records. Kindly respond promptly. } } } } I have yet to receive a response from them after nearly 60 days and continue to have negative information on my credit report adversely affect me.

Company response to consumer: Closed with explanation