milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan hardship modification with Caliber Home Loans. The modification approved and I had to sign the agreement and have return to Caliber by XX/XX/XXXX. I signed the agreement and called Calibur Home Loans on XXXX XXXX, spoke with an agent name XXXX XXXX. She stated the modification was approved and is being processed. She stated to call her back by Thursday and once processed I would received a copy of the agreement in the mail once processed. I called back to check on the status of my agreement and spoke with a XXXX agent number XXXX and she stated the modification could not be processed and due to some probate paperwork needed for my deceased mother XXXX XXXX XXXX. She also stated she do not know why the last time I called I was not told this. XXXX days has passed and I received no phone call, no letter from Caliber indicating what was needed. I am the cborr on the loan, and have the only interest in this mortgage. I advised XXXX, why was n't this communicated to me in a timely manner as I am waiting on a decision and would have to take time off work to go to my county office for this information. I am filing a complaint as they failed to communicate the proper info needed in a timely matter. My mod should take effect XXXX XXXX. When I called on XXXX XXXX, I was calling to set up an autopay to make sure the payments are on time each month, but instead I received this communication. furthermore, the interest on this loan is on a simple fee and continued to accumulate dailty. I feel Caliber need to offer some other assistance until I am able to get the documents they are requesting. When I completed my hardship, I received a letter from Caliber indicating they need a death certificate for XXXX XXXX XXXX and this was all they needed. No one mentioned anything about an EOE paper work, which I feel is not needed in this case as I am the cbrr on the loan and have been making payments to them for a while now. Plus, I would like an explanation of the additional charges that was added to my loan after Caliber took over my loan payment from XXXX in XX/XX/XXXX/XX/XX/XXXX. I requested a permanent interest rate reduction as the interest on this loan is way too high but instead they gave me a 5 year plan reduction on the modification. 

Loan name : XXXX XXXX XXXX and XXXX XXXX - XXXX. XXXX XXXX is now XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account auto account is reporting as late/derogatory and it is showing as being paid in a payment plan through chapter XXXX. This information is incorrect. My auto account has never been late and it is paid directly to NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (I do not know) with Patrick K Willis Company Inc (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a phone call from someone identifying themselves as an Investigtor and that they were trying to contact me regarding my brother. It was a debt collector. I do not even have contact with my brother and this company is calling me on my unlisted phone number which my brother does not even have and I do not know how they got it. They are now continuously leaving messages on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: There were XXXX payments made for XX/XX/XXXX. A wells fargo rep said she did the paperwork to skip XX/XX/XXXX 's payment. I just checked and they auto-withdrew from my account for XX/XX/XXXX and I was counting on having that money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Credit reporting () with TENET HEALTHCARE CORPORATION (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: According to my credit report, I have a paid account opened under Central Financial Control. This account was paid and is listed as, " PAID COLLECTION '', but says it will not be removed until XX/XX/2020. This account was paid and needs to be removed completely from my credit report. The collection agency has failed to remove this paid account and it is negatively impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: MCM ( Midland Credit ) keeps calling me asking for a person who does not live in my home and who I do not know. I have told them this repeatedly, but they continue to call. The last straw was when they called this morning ( Sunday ). I told the woman that I was reporting them to the CFPB so hopefully this will stop the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Fidelity National Information Services, Inc. (FNIS) (ME).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Addendum to XXXX. CPRS claims letter was mailed to address on file on XX/XX/XXXX. I did not receive mailings from this company. Also, in the reply from CPRS, there are some companies, to which I do not conduct business with, that are raising some serious concerns. I do not conduct business with XXXX. I have been with XXXX, since XXXX. Also, I do not have an account with XXXX. My vehicle is currently financed through my local credit union. I previously had an account through XXXX, to which that account was closed in XXXX. Also, I do not have dealings with XXXX XXXX. These account belong to others. Also, this is very alarming, as others may have my account information, as well as I was sent account information on others. Also, the date of XX/XX/XXXX, is from a fax server. This hereby proves no letter ( s ) was ever mailed to me.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had an investigation done on my credit report. I found out that this collection company and the original does n't belong on my credit report. Now, that I found this out I would like to have this collection removed. Just as well as remove the  XXXX   XXXX   XXXX  account  XXXX . I am going to provide the removal letter as well for my records. Also, I provide my credit report with the  two  account on my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Total Card, Inc. (NV).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: This is in regards to BOTH a  Total Visa  account and a   XXXX   XXXX   XXXX   account.  XXXX   XXXX  ACCOUNTS!     I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by   XXXX   and   XXXX    because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent dispute on my credit report to all three major credit companys. Waited 90 days didnt hear anything from any of them. So i again contacted all three as a follow up after 90 days and srill havent heard anything. This was 6 months ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I just seen a collection from XXXX XXXX  collecting for a XXXX account which I have never had ever. This is wrong and I want it removed from my credit file. I did have identity thief back in 2006 and filed a police report I 'm hoping someone is not using my information again. I dispute this account as it does not belong to me and want it removed ASAP

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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have NEVER been past 30 days late on my   XXXX   credit card and all  XXXX  agencies are reporting a late payment, this is wrong

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 08-12-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Other

Complaint: I opened a bar in XXXX NC which was owned and operated by XXXX XXXX XXXX. The company bank account was with Banks of America as was my personal account. I took out a credit card with the bank for the company which was to cover any unauthorized overdraft facility with the companies bank account. 
The bar failed and the credit card had some {$3000.00} outstanding on it which the company could not pay. 
Bank of America accessed my personal account and deducted {$500.00} from it to set off against the credit card debt of the company. I have repeatedly advised the bank that I did not recall giving or signing any personal guarantee for the company credit card debt and asked the bank to forward to me a copy of the signed guarantee. 
This request has been put in writing on XXXX occasions over the past year yet the bank have to date not provided a copy. I have therefore requested repeatedly the return of my {$500.00} taken from my personal account and the bank have simply ignored me. I also asked them who I needed to contact to get this matter adjudicated and they did not respond. 

as I do not recall signing a personal guarantee for the company credit card and the bank are unable to provide me with a copy of that document I seek to recover my {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Medical debt) with RevMD Partners, LLC. (UT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: There were 2 separate accounts from REVMD PARTNERS LLC placed onto my credit report XXXX 2017 showing as collection accounts. I was never made aware of any debts before placing them for collections in writing or otherwise. The original creditor name shows on my credit report as XXXX HOSPITAL. I have never visited or been to this hospital as it appears to be located in South Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several credit inquiries from multiple companies on XXXX XXXX, XXXX. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did XXXX all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. XXXX -XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX 

Experian replied to a recent complaint references a different account that was open by my on the XXXX for a personal loan. These inquires are not with the company I acquired my loan with and I did not authorize them. I request Experian to validate again these inquires as they are not open accounts and were authorized by me.

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 01/20/2016 about Debt collection (Medical) with ALCHRO INC. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: FIRST FED CREDIT & COL : I do not have any knowledge of this account nor did I ever receive any services or authorize any services from this creditor. I have disputed it through the credit bureaus, they acknowledged an inaccuracy ... the date of delinquency. They refuse to provide evidence I owe this debt. I have never had a collection and now my credit rating is adversely affected.

Company response to consumer: Untimely response
Consumer complaint received 04-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have kept in touch with my lender over the span of my loans. Recently, my lender has reported XXXX late payments for the months of XXXX XXXX, XXXX XXXX. These alleged late payments are also being reported negatively to the credit bureaus, when in fact I have requested before these reports that a forbearance be granted due to the fact that I have been enrolled in education towards my professional development as well as in the teaching profession since XXXX. According to the Office of the XXXX, if I am performing XXXX, and have been active in my professional development, I qualify for a mandatory forbearance. I have called my lender throughout the years to advise them of my XXXX status in a high need area while being a highly qualified XXXX. They have neglected to report my account accordingly, even though I have communicated to them about this error, they insist on not retracting these late payments that should have been under forbearance. As I pursue my options for repayment, the delinquent reporting is hindering my progress to pay off these loans satisfactorily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2017 about Credit reporting () with Diversified Consultants, Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had cable service with XXXX ( XXXX ) in XXXX XXXX and moved to XXXX, XXXX. Prior to moving XXXX policy states that all invoices must be paid before having service anywhere else. Paid and established new service in XXXX XXXX. Checking credit report, I found that there was an alleged unpaid invoice with XXXX. Since I was in the process of purchasing a new home, XXXX ( another credit reporting company ) advised me of it. XXXX acted as a mediator and got XXXX and Diversified Consulting Inc - the collections company on the line. XXXX admits that there IS NO WAY THAT I CAN CURRENTLY HAVE OR START SERVICE WITH AN OUTSTANDING INVOICE. This was removed from my credit report with XXXX. The collection company - Diversified Consulting Inc. refuses to indicate as paid - even though current XXXX reps state I would not be able to start or have new service if I had an outstanding bill. This caused major problems when I was purchasing my new home. A conference call was made with XXXX as the mediator and XXXX Rep and Diversified Consulting Inc. Rep. XXXX readily admits that I could not start or have new service with an outstanding invoice. The Diversified Consulting REp is argumentive and refuses to listen to what the XXXX rep is telling him. Call is terminated due to getting no where with this representative and him refusing to get a supervisor on line. Diversified Consultant states it does not matter he makes the final decision

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
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: This is a separate complaint from XXXX. I was rebilled for a separate transaction dispute that had already been resolved. The complaint made on X/X/17 resulted in a refund ( {$280.00} ), however a different charge ( {$230.00} ) was re-billed to my account without reasoning. On X/XX/17, I filed a complaint with your department ( Complaint ID XXXX ) regarding a charge I was disputing with Capital One. On X/XX/17, Capital One credited my account for the {$280.00} from my complaint, but re-billed me {$230.00}, a charge for a separate unrelated dispute I previously had with them. I contacted them several times regarding this matter. They refused to speak to me regarding either of my disputes and insisted I contact the " executive resolution department, '' however provide no phone number or contact information for me to reach out. The last notice I received regarding this charge was on X/XX/17 requesting additional documentation to continue my dispute. They asked for a sales invoice and a second opinion on company letterhead from another merchant regarding the same matter. Both of which I submitted. Credit was issued and no further information was required of me. Please review documents attached. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Debt collection (I do not know) with Evergreen Financial Services Inc. (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XX/XX/2015 Evergreen Financial Services violated our privacy by disclosing a debt owed to an unauthorized 3rd party. The collector placed a call to a number the collector found using skip trace. The individual who owns this phone, has pending legal/criminal issues with our family. The violation of our privacy to this individual has created much turmoil for our family now. Furthermore, at XXXX on XX/XX/2015 when I called Evergreen Financial, I spoke with XXXX , and when I asked what the amount we supposedly owed and who we supposedly owed the debt to she refused to give me any information. So, Evergreen Financial first violates our privacy, and then refuses to give me the debtor in the situation any information on the debt. But, XXXX did have the audacity to ask for payment in full- but not give me any information as to the amount or the creditor. They have made no previous attempts to contact us- we had no idea we even supposedly owed the debt. The collector did not verify she was speaking to an authorized party before disclosing that she was attempting to collect a debt. Not only has our privacy been violated, but numerous Federal and State Laws have been violated by Evergreen Financial. How can they attempt to collect a debt when they refuse to give any information to an authorized party, but give private information to a non-authorized party. thank you for your assistance 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 09/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: opened an account with wells fargo and notice lately they have the delaying the processing of the charges to confuse with the balance and become victim of fees, the account was assessed and insufficient charge {$35.00} today XX/XX/2017 and even I deposited the amount to cover the overdrawn which took 4 days to appear {$80.00} but made on the XX/XX/XXXX. I never sign for overdraft protection for this account and in the past when no funds available just do n't pay it. now somehow with the fraudulent staff they have they have turned on the overdraft protection on the account without my consent. and now they are charging the insufficient funds. 
I have tried to send the mails through their mobile website and it freezes when filling the form and when hitting the send button nothing happens, I feel I am being victim of fraudulent tactics by this bank to hurt my credit and profit illegally from me. 
I want to close this account and the insufficient charge reversed. 

Sincerely, 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 monetary relief