milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: I took out a home loan for {$310000.00} in XXXX. I have received documents from XXXX XXXX XXXX XXXX XXXX in California apparently representing XXXX XXXX XXXX as a Trusee for an XXXX Master Participation Trust that look fraudulent and they have blacked out all the loans numbers which lead me to believe they are fraudulent. They claim the loan is now serviced by Caliber Home Loans but I have still not received an accurate payment history. I wrote the Attorneys the following letter and they have yet to reply. Hello XXXX, My name is XXXX XXXX and I filed a Chapter XXXX BK to protect my home on XXXX XXXX, XXXX, and an automatic stay is pending since it that date. The group of companies you represent filed a Notice of Default ( NOD ) three days later on XXXX XXXX, XXXX. I spoke with them and they said it was an error, that they were sorry, and that they would correct it immediately. It has still not been corrected and expunged from Title as agreed. Also, many of the documents you have filed in the BK are fraudulent, and the Loan Numbers have all been blacked out? I would like to know why? Also, your running totals are totally and absolutely wrong and I have requested a running total balance of payments accounting since the loan was originated in XXXX and am still waiting for it. I would also like to confirm with you that you are debt collectors attempting to collect a debt and therefore subject to the FDCPA. I attach these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I filed a dispute with Experian against XXXX, they removed this item in XX/XX/XXXX They reinserted this item XX/XX/2017. The original creditor nor the collection agency could not/would not validate the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (I do not know) with Integrated Recovery Services (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Repeated calls and threats from  XXXX , calling themselves  Integrated Service s. But this is only the latest of MANY collection agencies who have harassed me for  XXXX  years over a debt owed by someone named  XXXX   XXXX . Of course,  if ANY  of them did their due diligence, they 'd know that  XXXX  is NOT  XXXX  's number. I 'm tired of telling them this, only to have the calls and threats continue. This has been MY number for  XXXX  years, there 's no  XXXX   XXXX  here, I do n't know any  XXXX   XXXX , and this harassment needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I currently am the verge of defaulting on this private loan. I sent Navient XXXX and am willing to send another XXXX every month. The payment amount is XXXX per month and im 3 months behind. At this time i am unable to afford XXXX a month. A representative on XX/XX/XXXX took a financial statement from me and offered me a program that is for 15 mos at a interest rate of 2 percent of the loan and it only covers interest. The payment would be XXXX. I told her i am unable to afford the XXXX this time. I have a financial hardship what else can you offer me? She said nothing can be done. 

I need something else done with this loan. This loan is illegal it originated in my early XXXX. The interest rates are so high that its designed for me to never pau it off. 
The school XXXX that signed me up for this illegal loan had many lawsuits due to their bad business practices and has since gone out of business. I asked that this loan be forgiven. Ive been paying pure interest to this loan for 10 years and i now owe XXXX and i fear itll be XXXX by the time i reach retirement age. Again, since i do not meet any of your programs i ask for this loan to be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: Pretender lender loan servicer " Ocwen Loan Servicing '' and its robo-XXXX employee " XXXX '' is once again covering up its dirty smelly intentional fraud game tracks. I am in the process of retaining new counsel, I will respond to just one of robo-Starr " XXXX '' fraud cover up little games. Ocwen Loan Servicing XXXX is doing nothing but horsing around her barn. Attached is email evidence of Ocwen Loan Servicing robo-lawyer " XXXX '' denying me the right to discuss Ocwen fraud crimes against me before a congressional hearing. Dealing with Ocwen Robo-XXXX is a complete joke and a complete waist of time. If Robo-XXXX is looking for fights with Ocwen victims then she will get one!

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was in the process of purchasing a car for my daughter & I got pre approved by  XXXX   XXXX  ... I contacted  XXXX  dealerships  (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   )  & forwarded my pre approval with   XXXX    XXXX  but they still ran my credit without my consent ... They knew I had a pre-approval & I wanted to go with  XXXX   XXXX  ... I emailed them my pre-approval as well so they would know the condition of my car loan ... Now I have all these hard inquiries on my credit report which should not be there ... The only  one  that should appear would be   XXXX   XXXX   XXXX  &  XXXX   (  my credit union ) which I applied with before I got my pre approval with  XXXX   XXXX .  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  &  XXXX   XXXX  should have not ran my credit ... I have attached the emails between the two dealerships showing they knew I had a pre-approval through  XXXX   XXXX  ... Please have them delete these HARD inquires of all three credit bureaus ... Greatly appreciate it ... Thank you ...

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loan was suppose to be deferred until XXXX. Late XXXX XXXX, they reversed my deferrement for no reason and without notice. Immediately than reporting to all XXXX credit bureaus that I was late and it dropped my score XXXX points, At this time I was trying to get a new mortgage and this issued caused me to not be eligible for a regular loan and in turn the mortgage companies that I turned to all told me that to be eligible I would have to pay Nelnet {$23000.00} in one lump sum to be able to receive my mortgage. We were in the process of selling our 1st home so this meant a LARGE portion of my profit was going to go to Nelnet that messed up my credit score causing me to not be able to receive a regular loan. That amount was paid HOWEVER trying to contacted Nelnet repeatedly for them to fix the " late payments '' because I was NEVER late, it was deferred and they withdrew the deferred with no explanation, even when I called they could not tell me. I would like my {$23000.00} refunded as well as an updated credit score stating that I was never late and the rest of my student loan forgiven. I was and still am emotionally drained from this because the student loans are haunting my credit score for no legitimate reason. I believe this is some type of scam because they sure will answer when a {$23000.00} payment is being made to them but wo n't answer me regarding my " late payments '' that I was never late on.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: We graduated from   XXXX  l school in  XXXX  and had  XXXX   XXXX  as our loan services. When we started residency the first year we were not required to start repayment. We were told by sallie  XXXX  our  2nd  year that the law had changed and we were required to start making payments  (   XXXX  of  XXXX  ). We were not making that much as residents and both my husband and I have   XXXX   school debt so we could not afford the payments. Not ONE time in the last 8 years has ANYONE from  XXXX  ( now Navient ) contacted me, or informed me when I contacted them about repayment option, about the income based repayment options. We were put into an economic hardship forbearance throughout the rest of our residency  XXXX . We should have been informed of the income based option and we were not. Further, we had a private loan that we were paying on during that same time frame. In  XXXX  when started repayment, our payments were mis-appropriated and applied to all of our loans, making our payments late until WE caught what was happening. This also extended the time it took us to pay off the private loans. After the lawsuit was made public WE looked into income based repayment and it will save us thousands of dollars over the course of our loan repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am a XXXX year old widow. I had to do a hardship bankruptcy in 2011 because I could not keep up with payments after my husband 's death. The credit reports say that I had a serious delinquency and or collections. I have NEVER been late with any payments even through the bankruptcy. I did n't want to do the bankruptcy and did everything I could to avoid it. What can I do to correct the serious delinquency charges on my credit reports?

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 04/14/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have made several attempts since XX/XX/2016 to correct my student loan balances with Nelnet Student Loan Services. Nelnet is insisting that I owe a balance of {$84000.00} in student loans but is unable to confirm to me where the total balance accurred from. I have went to each University in which I attended, obtained the account summary that shows all the loans taken out during my enrollment, and provide the information to Nelnet. The true amount of of loans taken out excluding any interest is only {$42000.00}. Even with that proof, Nelnet is insisting that I have over $ 80k in student loans without any proof. Nelnet has reported this balance to my credit report several times which is impacting my credit score but has failed to correct my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Credit card protection / Debt protection

Complaint: Today, XX/XX/2016, I was notified that Capital One received a report of possible fraudulent activity on my account. I requested the source of that information and was told that such information was not available to the person who assisted me, XXXX, a Fraud Department Supervisor. I was told that my current credit card is being replaced even though I have paid my account balance in full for the past 4 months, or the duration of having the Capital One Platinum credit card. the actions of the company seem to me arbitrary since the company is unable to provide the source of the compromise. I believe that there is possibly no justifiable reason for the action of re-sending me a credit card due to the fact that the company is unwilling to disclose the source of the information stating that my information has been compromised. I am unaware of the rationale for the actions conducted by the company and would like full disclosure for the reason for why my account may have been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Credit card protection / Debt protection

Complaint: I submitted a Servicemembers Civil Relief Act ( SCRA ) claim to American Express, requesting to have my card 's annual fee refunded for the years during which I performed XXXX. American Express is telling me that XXXX does not count as XXXX and, therefore, is ineligible for SCRA benefits. Title XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX states that XXXX is considered XXXX XXXX. Furthermore, I submitted copies of my XXXX XXXX showing the dates and durations of my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Debt collector never sent me any written correspondence but continually called me using a number in my own area code. These calls were performed by an automated dialer, and whenever I would pick up all I would hear is a beep and the call would disconnect.
When I called to speak with the company about the debt, they would only tell me a name but not what they wanted to speak with me about until I gave them my full address. When I refused to disclose personal information without knowledge of who he was, he hung up on me.
After I called back, I asked for proof of the debt and to not call me until I received it. I also asked that when they called back that they must call with a live person, not an automated system. After that call, I received 3 more calls from the company by their automated dialer.
I received the letter from them in regards to my debt today. It does not disclose anything other than the amount and creditor on the letter. It does not make any statement about my right to dispute within 30 days, or that if I do not respond within 30 days that I automatically accept the responsibility of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CONTRACT CALLERS INC (TX).
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint: The company reported a collection account for an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i want to complain against EQUIFAX. a XXXX XXXX XXXX acct was turned over to XXXX XXXX XXXX  in XXXX, nc. i made an agreement in writing and have made all current payments on time since XX/XX/XXXX. XXXX has taken this acct off and i have a score of around XXXX. EQUIFAX however will not take it off and i only have a XXXX score on equifax. i want it removed just like it was with XXXX. again the complaint i want equifax to remove this acct from my report. all payments are caught up and on time with a mutual agreement in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2017 about Payday loan, title loan, or personal loan (Title loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I bought the car for less then what there trying to get from me they got over twenty thousand from me

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed a chapter XXXX bankruptcy that was discharged in XX/XX/XXXX against the property address of XXXX XXXX XXXX. XXXX XXXX  Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: Problems when you are unable to pay

Complaint: I was called by the One Main Financial store in XXXX KY. ( I do n't have a loan with them, I have one with the XXXX KY office. ) This girl named XXXX from that office called my cell phone. My co-worker answered and she told him that she needed to speak with me about a legal matter. She told him where she was calling from and told him that they were filing court to garnish my wages. One Main Financial 's representative violated my personal privacy about my financial situation. She should NOT have told him any of personal information. Then she threatened me with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (Medical) with Frost-Arnett Company (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has failed to process the amount written off between them and my health insurance company so trying to collect the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, XXXX, I learned that Equifax had been breached by an outside source due to a lack of security in their system. Items such as my Name, DOB, SSN, Address, and Driver 's License Number, may have been leaked and could be in the hands od people with malicious intent. Through reporting by the news, it appears Equifax learned of this breach on XXXX XXXX, XXXX, but did not report it to the public until XXXX XXXX, XXXX, a whole month after the company learned of the breach. 

To rectify the issue, Equifax has set up a website to allow consumers to view if they were involved in the breach. However, this website uses the very information that was stolen to verify my identity so I am unable to safely secure my account. To date, Equifax has made no attempt to notify me personally that my information may have been part of the breach by mail or by phone. Had I not seen this reported on the news, I would have had no idea I was at risk. 

This breach has set me up to be at risk of identity theft for the rest of my life and may even affect my heirs handling of my accounts upon my XXXX. The best way for me to be protected from this breach will require me to freeze my credit at the 3 major credit bureaus for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Payday loan () with AmeriCash Holding LLC (IL).
Issue: Charged fees or interest I didn't expect

Complaint: This payday situation I started has gone out of control as I started with XXXX loan and it perpetuated with XXXX payday loans taking well over 90 % of my take home pay and therefore could not pay my mortgages for over 4 months. All of the payday loans charged me usurious in that they fall quite a bit outside of the the interest rates allowed by law and some even topok money on days I did not get paid and caused so much turbulence to my bank account forcing it to be overdrawn on many occasions collecting insufficient fees along the way to contacting a Payday Loan Consolidation Company. However, this is n't enough to get me back my money. The rates were even up to 1800 % and beyond on one of them.

Company response to consumer: Closed
Consumer complaint received 12-05-2015 about Consumer Loan (Installment loan) with Monterey Financial Services LLC (MD).
Issue: Taking out the loan or lease

Complaint: I ordered an exercise machine from XXXX off of a television infomercial. I agreed to pay XXXX payments of {$49.00} per month. One month after receiving the equipment I received a letter from Monterey Financial Services advising that I have a loan with them. A week later the account showed up on my credit bureau report. I never agreed to having an installment loan placed on my credit bureau reports. XXXX XXXX took it upon themselves to set up an account with Monterey Financial. During the course of paying for the equipment I got behind and Monterey Financial reported me as 61-90 days past due. When called Monterey and advised that I was going to sue them as I never gave authorization for them to open an account in my name and place it with the XXXX credit bureaus. XXXX the representative I spoke with received authorization from her supervisor XXXX XXXX that Monterey would change the status to paid as agreed if I paid the account off.I checked my credit files and found that they only reported the account as paid but with late payments. This was not the agreement. Further more the account should have never been placed on my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation