milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber Home loans charged excessive fees without an explanation on the nature of the charges. Caliber Home Loans charged more fees on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 after they received the pay off {$770000.00}, .I closed escrow on XXXX/XXXX/2016. 
Caliber Home Loans did not sent any explanation, receipt, invoice or proof of payment to persons or institutions. 
It seems that Caliber Home Loans can charge whatever in a spreadsheet ( all kind of numbers ) and nobody in customer service can explain what those charges are.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Trouble during payment process

Complaint: Please, refer to my previous complaint as NFCU did NOT keep their word and although they sent me forbearance paperwork and said was accepted being assessed late fees and the contact person XXXX, public relations person as well as their CEO XXXX XXXX are not responding .In addition it will be a hardship to pay everything ; g back in XXXX as still doing hurricane repairs .It is the holiday season and a XXXX XXXX XXXXXXXX Veteran please help me ASAP and prevent my credit from being ruined, I paid last month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (I do not know) with Credit Bureau of San Luis Obispo & Santa Barbara Counties (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a set of dentures made and they did not fit properly, I returned to the dentist and explained the problem. After several unsucessful attempts to correct the improperly made denture, I was toldthey were unwilling to repair them and the dentist admitted there was a problem but they were unwilling to make any further attempt to correct them and I would have to live with the improperly made denture. I was unable to swallow or eat with them in my mouth. I finally went to a different dentist who told me to NOT wear them because they would cause damage to my mouth because they were not made properly and did not fit in my mouth correctly! I had an unpaid balance and contacted the office and told them I was unwilling to pay anymore for teeth that did not fit. I asked for a full refund of what I had already paid and they refused and sent the bill to collection. I still have the teeth which i am unable to use. I paid almost {$2000.00} for something that was made wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with McCarthy, Burgess & Wolff, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received debt collection notice from MCarty, Burgess & Wolff for a debt that is not owed. I confirmed with XXXX that my account was paid off and was never owed a debt. This is a fake collection notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Hello My wife and I filed bankruptcy and have been out bankruptcy for over a year now. However our loan on or Mortgage being serviced by Select Portfolio Servicing says the following : " Our records indicate that your obligation has either been discharged or is subject to an automatic stay order the United States Bankruptcy Code. Even though your personal liability on the note may be discharged or subject to an automatic stay, the terms of the mortgage remain in effect and the owner of the mortgage, as a lien holder, continues to have a lien on the real property. '' After repeated calls to SPS they told us that we needed to re-affirmation letter while we were in bankruptcy in order to change the status of our lien. 
For the last year we were unaware that SPS and previous Mortgage servicing company XXXX bank had kept us in this protected category. Basically keeping us in their " debt collection status '' Both XXXX and SPS when we called for assistance have said on their recording " you have reached the debt collecting department attempting to collect a debt '' When we called SPS our current servicing company they said " We will always be in the debt collection status because we needed to have a " Re-affirmation letter of debt while we were in bankruptcy '' within the last 12 months of making payments on our mortgage they have not recorded any of the payments to the credit agencies and this has caused issues for our credit reports as well as wanting to refinance our loan. We are current on our loan and all payments. 

From our Bankruptcy lawyer : Hi. 
It is a total lie that assistance on a mortgage is linked to re-affirmation. In fact, the federal regulations preclude this. 
To refresh your memory we do n't re-affirm mortgages. Only personal property ( a car, a boat etc ) is subject to re-affirmation. In fact, some Judges have suggested that re-affirming a mortgage is malpractice if supported by an attorney. 

What we do with mortgages ( and you DID DO ) is file a Statement of Intention to retain the property ( pay ). This should be in with your records and can also be pulled from the bankruptcy court 's electronic website. 

If you are having this trouble I strongly suggest that you file a complaint with the federal cfpb. It is super easy and done entirely online. The mortgage company ( or more likely the assigned rep ) is just taking a bogus position in so far as what you are relaying. 
XXXX We are looking for help and hope that your department can place pressure on Select Portfolio Servicing , Inc to follow the rule of law. 
We are tired of receiving bogus and inflammatory mailing every couple of weeks from them keeping us in the " debt collection department '' and ruining our credit. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Student loan (Private student loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Our situation is a little different than the typical " student '' debt situation. My husband graduated in XX/XX/XXXX with his XXXX in XXXX XXXX. He then started to take his licensing tests. Unfortunately he was unable to pass the test. He would then re-take it a total of 6 times. New federal regulations with XXXX came in to affect on XX/XX/XXXX which would put a lifetime limit of his testing. Therefore, he will never be a XXXX XXXX. Even after attempts of appealing, speaking with lawyers, and our senator who is helping us in this area. My husband makes XXXX $ /hr. The 3 other people who have co-signed are in completely different financial situations then when they first signed years ago. The economy has changed drastically. We have been handicapped for any re-payments. Over the years we have spoke to several loan departments who wanta ridiculous amount of money up front or in huge amounts. We rent a small home, have XXXX children who share 1 bedroom, no insurance and lots of debt. The private student loans are from a few different lenders who have now gone into collections and lawsuits : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Amounts are as follows : {$59000.00} {$54000.00} {$18000.00} Federal student loans are {$270000.00} which are in an IBR of {$200.00} a month. Still difficult for us but what are we suppose to do? We are in {$400000.00} of student debt!!! With nothing to show for it because of federal laws that limited the amount of time someone can test. When he missed by minimal points! Please help!

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 10/24/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: EQUIFAX CONTINUES TO REPORT A PUBLIC RECORD THAT BELONGS TO A FAMILY MEMBER ON MY CREDIT REPORT. THEY WILL NOT FURNISH ME WITH THE SOURCE OR HOW THEY ARE VALIDATING THIS PUBLIC RECORD..RECENT CLASS ACTION SUIT ( XXXX XXXX VS. EQUIFAX ) SHOWS THEY ARE INCORRECTLY VALIDATING PUBLIC RECORDS ON CONSUMERS CREDIT REPORTS.THIS IS REALLY HURTING MY REPORT. XXXX AND XXXX HAVE BOTH REMOVED THIS PUBLIC RECORD. I DEMAND THAT EQUIFAX REMOVE THIS PUBLIC RECORD FROM MY REPORT IMMEDIATELY AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland credit management placed false information on my credit report. I explained to them that they had wrong information. They still would not work with me. I found out that they have a class action lawsuit against them for these types of problems they are causing. I do n't know where they are getting the information but it is false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I learned that I am a victim of identity theft. My drivers license have been stolen. See attachment for my drivers license information. The last car I had was a XXXX XXXX. XXXX, the vin number was XXXX. The plate number was XXXX. The title number was XXXX. My social security card was stolen with the names XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. My former employers have been changed with all three credit agencies. Property have been purchased with my personal information. Through the wage earner courts, my rights under the bankruptcy have been violated. Purchases have been allowed to be made while I was under wage earner without my knowledge /permission.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a {$210.00} debt placed with XXXX XXXX XXXX in XXXX XXXX, original creditor was XXXX. This debt was paid if full in early/mid XXXX. The agency continues to report monthly to XXXX. Although the reporting reflects the {$0.00} balance, there is no reason to the monthly updates to my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was a cosigner on this loan only ... since it was repoed it shows on my report as if it was my loan.. I also disputed this account recently and now it is showing an opening date in 2017 when all actuality this account was opened years ago and has been charged off. This is causing my credit score to be lowered because it looks like a recent collection on an account that I just opened

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 01/18/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: On Mon. XXXX XXXX XXXX XXXX XXXX withdrew {$1400.00} cash in XXXX XXXX dollar bills from my checking acct. From XXXX the bank teller. In order to pay my rent of {$1400.00} a month. A week later on Mon. XXXX XXXX after making the deposit of only {$1300.00}. Since XXXX of the XXXX dollar bills were counterfeit. It is poss. Bank of America overlooked or missed it, possibly given me the counterfeit XXXX XXXX dollar bill. My landlord says the {$1400.00} I gave her ( XXXX ) was put in an envelope. And deposited with no other bills other than the {$1400.00} large bills. Again making only a deposit of {$1300.00} minus the counterfeit XXXX XXXX dollar bill from B of A. I spoke the Bank Branch Manager XXXX who was overworked due to being understaffed. And was of no help or organization toward policy & procedure witch was none to this concern filed. Although XXXX did not deny the possibility of this counterfeit from her branch. But the personal banker XXXX did deny it, mentioning it 's not possible. I would like to know what is possible if there is a future for this matter maybe I 'm not the only one who has experienced this from a reputable bank or this branch itself. I 'm curious to find out where justice is served in receiving my hard earned money back. Surely you would think the counterfeit bill could be traced or leave a paper trail right, just not being washed along the way & no one taking responsibility of it legitimately. Thank you for ur time & have a powerful day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/19/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Struggling to pay mortgage

Complaint: I fax a complete modification packet to Nationstar on XX/XX/XXXX. I called Nationstar yesterday for an update to make sure the under writer was not requesting for any additional documents. However ; Agent XXXX told me that my packet was denied. I told him that can not be possible because my documents were just faxed XX/XX/XXXX.
He said that my file was denied on XX/XX/XXXX I told him than my documents were not even review because it was to quick to have a decision. I explain to him my new source of income which is rental. My loan should be eligible for the Flex Modification since my investor XXXX XXXX participates. I need an explanation why my loan was not approve for the Flex Modification. based on the guidelines I should be provided an affordable payment. I honestly feel that Nationstar is just prolonging my case making me fall further behind. My intentions are to keep my home, I am an elderly man and is hard for me to move around. Please help me and provide me the assistance I am requesting. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am delinquent on my mortgage and am trying to get approved for a loan modification. I have provided all the documents requested by my mortgage company in order to consider me but I have a foreclosure sale date scheduled on XXXX/XXXX/16. They are telling me they are unsure if the sale date will be pushed back. I need some assistance with this, please help in any way possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My XXXX XXXX loan, which Navient now owns, is reporting different data across the major credit bureaus. XXXX says on XXXX of XXXX my account went to 120 days late on my FICO credit report. It was reported as " OK '' XXXX of XXXX. XXXX also shows that 120 days late remark. On XXXX of XXXX XXXX still shows 120 days late but XXXX bumps up to 150 days late. This occurs again on XXXX XXXX when XXXX stays at 120 days late but XXXX increments to 180 days late. My issue with this account is that the data is being reported differently to XXXX different credit bureaus, so is this not in violation of FCRA that requires 'if ' data is going to be submitted that it has to be accurate? Another question I have, how can the account go from payment ok on XXXX of XXXX to 120 days late by the next month? It 's not like XXXX XXXX did not report the data, as is the case for earlier in the year, but for XXXX it clearly says the payment status was OK. If it really was 90 days late, that means the date of my first delinquency would be further in the past. That would greatly help me because if we date this back to the first 30 day late, I would have this fall off my credit report three months earlier than it currently would. All of this lead me to dispute with Navient who now owns these accounts. I have tried several times to inform them that the payment information is wrong and I asked them to please remove it if they can not make it accurate. They reply that it is accurate and they refuse to change it. I 'm hoping that you can help me not only get the payment data to match across all XXXX bureaus but I am also hopeful that they can provide some proof to verify which of the XXXX is genuinely correct. I do n't like the idea of Navient simply changing the data to match one of the other credit bureaus without proving what in fact was incorrectly reported. With all of that said, I would be very grateful if Navient agreed that mistakes were made and that they just discontinued reporting the payment history across XXXX, XXXX and XXXX. These loans defaulted over 4 1/2 years ago with the delinquency happening around 5 1/2 years ago. Would it be so bad if after all of this time Navient extended some grace to me after they themselves made mistakes on the data they reported?

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went to my local  XXXX  dealership with a pre approved auto loan from  XXXX   XXXX  auto navigator. I even brought the printed out paperwork. The salesman told me they needed to run my credit again to see if they could get me a better interest rate. He did not tell me that there would be  XXXX  companies accessing my credit report. Now my  credit score  has dropped  XXXX  points in less than  24 hou rs. Turns out that  XXXX   XXXX  was the lowest rate I could get. They ran my credit with  XXXX  other companies for nothing.      XXXX   XXXX ,    2017  {$30000.00} Quite frankly this is the type of   XXXX   that consumers do n't want to deal with. It 's hard enough to build your credit, and all it takes is some salesman with a sales pitch to a first time borrower to ruin your credit in a matter of minutes.

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 reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I previously had a XXXX XXXX credit card that went into collections. I declined to pay the card b/c there were fraudulent charges that both XXXX XXXX and the creditor refused to investigate. In addition, I was charged late fees even though there were no late payments and the balances, payment dates, and bill dates are all being shown inaccurately. XXXX XXXX removed this from my credit report but on XXXX/XXXX/XXXX XXXX XXXX reaged the debt effective XX/XX/XXXX even though the account has been outstanding since XX/XX/XXXX. XXXX XXXX is selling debt to XXXX XXXX and then in turn reage that debt to make it look more current that it really is. In addition, they are not resolving or investigating my dispute.

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 02-08-2018 about Debt collection (Other debt) with Media Collections, Inc (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: MY daughter began service with XXXX XXXX. She cancelled her account prior to the contract period. She has paid her debt for the remaining months of the contract. She has received notice from them that her debt has been paid. XXXX from XXXX XXXX XXXX XXXX keep calling trying to collect $XXXX plus from her. She calls once a week. I have told her the debt is paid.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I would like to file a complaint against the two credit bureaus, Transunion and XXXX for violation of the FCRA. I am a veteran who was entitled to the XXXX XXXX. I utilized my XXXX XXXX benefit to further my education. I was informed that there was an over payment ( XX/XX/XXXX ). I paid it back ( XX/XX/XXXX ). It appeared on my credit report as two negative items even though it was not a loan or credit transaction. I have received letters from the XXXX XXXX informing that my account was satisfied ( XX/XX/XXXX ). I sent the letter to both credit bureaus along with a dispute of inaccurate information. The item remains as two separate  negative accounts. 
I need them to remove these items.

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 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Quick Click Loans, LLC (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: on XX/XX/17 I settled the account I held with XXXX XXXX. However the account still appears on my report with the payment amount, a status of open, and a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief