milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-03-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: 3 weeks ago requested loan payoff from Caliber Home Loan thru their SPOC representative. Was told I would receive it soon. Still waiting and I have a pending foreclosure that is moving forward. I have a pending sale on the home and can not draft a correct contract as Caliber ( who represents XXXX ) is not sending me the requested 30 day payoff that I asked their SPOC rep XXXX # XXXX to send me. I want to sell my home and avoid foreclosure but they are holding up my request for a loan payoff. They are denying me my right to sell my home!!!!! Why ca n't they provide this payoff?

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Credit card debt) with NCB MANAGEMENT SERVICES INC (ME).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Apparently XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania has repeatedly phoned my friend 's house demanding to speak to me about a debt. My friend has already told them I do not live there and asked them to stop phoning. NCB staff are phoning my friend every single day. When my friend picked up the phone yesterday, the caller was completely silent. This appears to me to be deliberate harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit card () with Army and Air Force Exchange Service (GA).
Issue: Forbearance / Workout plans

Complaint: For over XXXX years, AAFES charged me directly from my social security XXXX check payments to pay back my mil. star account, even though prior to them doing that, I tried to tell them I was XXXX and could only pay XXXX dollars a month, but it was not sufficient for them. 
I contacted them again in 2014 claiming It had been more tan paid and again to tell them I now was diabled 100 % and they were hurting my pocket. 
They went ahead after many emails and supposedly pardon balance of debt and returned a refund, saying it was now paid in full, but has reported my credit as a charge off even though I have been XXXX for many years. Iam requesting your intervention for the XXXX time against this creditor and investigate if I was legally forced to pay since my supposed balance was XXXX. They should reimburse me. See attached letter sent by them after my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (DC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a notice from a collection agency regarding a medical bill, but never received a medical bill from the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: They constantly put my account in forebearance or deferent instead of telling me about the income driven program. Which I can have enrolled in years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Payday loan) with Solidus Group LLC. (UT).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a phone call at my place of employment from a man stating he was pressing criminal charges on behalf of a payday loan that was not satisfied 3 years ago. I asked that he not contact me at my place of employment and asked for a number to call him back. I promptly called back to find out what the issue was. The man stated that I was a criminal that defrauded a payday loan company and that I was being charged. I stated that I have n't received any sort of information regarding the debt and did n't know what he was talking about. He went on the call me a 'piece of XXXX ' who was criminally taking out loans and defrauding companies. He continued to yell and verbally abuse me and accuse me of criminal activities I did not commit. I immediately asked to speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with case I.D . XXXX XXXX, with XXXX XXXX XXXX that is being reported with incorrect/missing info. My balance is XXXX and XXXX XXXX have been reporting wrongly and destroying my credit report with it. All effort to get them to comply has been fruitless. The account was disputed because of an unauthorized transaction, yet XXXX XXXX kept reporting it as verified without providing any evidence to who verified it or traced it and with what method. This account demand investigation on the unauthorized transaction on XXXX of XX/XX/XXXX, and XX/XX/XXXX. If the account can not be correct, I request XXXX XXXX to delete all negative entry. I request a full credit for this unauthorized transaction. 

More specifically, I am referencing the fact that you are reporting an incorrect high balance which was as a result of the unauthorized transaction. 
Your improper procedures are highly damaging to my credit score. Please immediately delete this item and correct it. I request a full investigation and if unsatisfied that a new credit card account be processed immediately and sent 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 03/13/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX account was paid in full in XX/XX/XXXX, but on experian report i have 30 days late on XX/XX/XXXX, which is not possible to be true because loan was closed and paid in full in XX/XX/XXXX Disputed a few times, but experian said verified, Please see in atachment proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/2017 I sent a request for mortgage assistance to the servicing company to my mortgage loan. The reason my loan became delinquent was because the monthly payment the lender offer were much higher than promised. I have applied for loan modifications several times but always get denied due to inconsistent reasons. I was recently advised by my loan 's servicing company that they are no longer taking any more documents to process a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (OH).
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: hello, Im having issues with my GM FINANCIAL account, its the only thing with holding me from a mortgage loan, I was having issues with my bank account in XX/XX/XXXX and XX/XX/XXXX, my debit card had been on a breach I had no access to my account I couldnt even use the ATM, that is why there was a 30 day late payment as far as XX/XX/XXXX I was over paying prior and when i saw my statement it said XXXX is due at the time but you still have to make a monthly payment so I was confused. I have typed a letter to the company explaining my situations Im just hoping to get this cleared up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Struggling to pay mortgage

Complaint: We refinanced the house we live in XXXX XXXX XXXX XXXX, Arizona XXXX in XX/XX/XXXX with a company called Freedom Mortgage. It was then at 6.75 % interest rate and a fixed monthly payment. Immediately the payment began to increase so I began to research and investigate why. Freedom Mortgage said it was our escrow which we have evidence it was not. In the summer of XX/XX/XXXX we tried to refinance with XXXX XXXX XXXX as they were our home owners insurance and they said it could be done at 4 % interest rate. It did not happen as they stated Freedom Mortgage made it very difficult and at this time by there word we were now two payments behind. We caught up and paid Freedom Mortgage {$4300.00} in addition to the then payment. Freedom Mortgages stated to us that they sent it to a Loan Servicing company yet every single month we got statements from Them and made the payment directly to them. In the fall of XXXX they changed the account number and it has been a nightmare ever since. We have made the payments and I have copies of all the checks they deposited but not accounted for. They send us statements with amounts of funds placed in an " unapplied fund '' account. They have hurt our credit stating we are almost {$9000.00} behind. They tried to modify lowering the payment to {$590.00} for 3 months but wanted a new signed contract at 6.75 % and 30 years. Now they are threatening forclosure and we are claiming criminal charges because they got funds for months, say we have not made payments, forced us to hire lawyers that we do n't get any feedback as to their assistance but call demanding the payments. Oh we are besides ourselves. We want to get away from such a corrupt mortgage company. WE have contacted you before and they seem to do a pretty good job at lying to you as well when I have boxes and boxes of the evidence. HELP us please. Please file criminal charges against them for keeping money and not applying it to our account. Please file charges for promising they themselves would refinance at 3.5 % years ago and ignored the packages of paper information they requested I send to them stating, " we will get to it when we can ''. Please file charges against them for threatening and intimidating because they can. HELP US please.

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are a lot of hard inquiries listed on my credit report that indicated " unknown or unspecified '' company. I asked them to removed them because I have no knowledge of what the companies are and who requested a copy of my credit report. I was notified by XXXX Agencies that there personal files was hacked and my information along with others were taken. Then when I heard about the breach in the Equifax I decided to pull my credit report to see what my reports look like. I noticed a lot of inquiries and inaccurate information that I am trying to dispute or investigate. For the past year or XXXX I have paid a lot of things off and the only thing I applied for was an automobile loan back in XXXX XXXX. How is it fair for a Credit bureau to report unspecified information without listing where the information came from especially if the source is not verifiable or validated.

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 03/24/2016 about Mortgage (FHA mortgage) with BROKER SOLUTIONS, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my primary mortgage in 2013 with a company called New American Funding. They did lower my rate but told me that I would have to pay MPI because I refinance was over 80 % LTV. During the refinance process, my loan officer XXXX XXXX XXXX ( employee of New American Funding ), told me my MPI would be for 92 months or until my LTV got to 80 %. I have requested my mortgage company to order an appraisal because I believe my house value is high enough to cover the loan at 80 %. When I did this, they told my I had to have the PMI for 11 years ( 132 months ) and that there was no way around it. My challenge is that I was told something else and my loan documents say my term is 92 months max.

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 Bank account or service (Savings account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo and Co. wrongfully closed my Roth IRA account number XXXX during 2016 without my authorization. I have had this retirement savings account for more than a decade and I know Wells Fargo wrongfully closed my account because I can no longer view my account information online. As such, I am seeking the CFPB assistance in order to recover my proceeds as soon as possible from Wells Fargo.

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 09-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Collection agency is reporting the incorrect date of first delinquency. I have disputed with TransUnion multiple times ( XXXX times in total ) and each time, the dispute has been verified. The original tradeline with XXXX Bank became delinquent XXXX XXXX as recorded on my credit report. The debt was sold to a collection agency, XXXX XXXX, who then reported the date of first delinquency as XXXX XXXX. Due to the age, the original tradeline has been removed from my report and is no longer listed. With the suggestion of a Transunion representative, I provided a copy of a previous credit report ( XXXX XXXX, prior to the removal of the original tradeline ) circling the date of first delinquincy and estimated removal date. I then circled the estimated removal date under the collection agency as proof the date is incorrect. The dispute was verified as correct. I was told by a representative Transunion does not investigate the dispute and all documentation is forwarded to the collection agency for verification. The collection agency has refused to correct the issue. Transunion representatives have stated numerous times there is nothing they are responsible to do and the credit report is not sufficient proof of the dispute. I was also told to file a police report or get an attorney as Transunion is not responsible for investigating disputes and if the collection agency verifies the information as correct, there are no laws they have broken. Although the customer service representative was a XXXX supervisor and could blatantly see the error and agreed with me of the error, she said there is nothing she could personally do to correct the issue and all corrections must be made by the collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt in question was dropped by the original company because the service was not actually used so the debt is no longer applicable to me. XXXX already fixed the inquiry on their report but I can not figure out how to fix the inquiry with 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 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: BMW Financial reported my account 30 days late for XX/XX/XXXX to both XXXX and XXXX My payment was due XX/XX/XXXX and my account was paid on XX/XX/XXXX, which is NOT 30 days late. XX/XX/XXXX is the date the payment shows as being made on my receipt from BMW and this is the date the actual funds were deducted from my bank account as I have it set-up as a direct debit payment. BMW Financial has been nothing but a problem to me and my family. My husband was hit by a vehicle  in XX/XX/XXXX and the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Contacted Equifax regarding fraudulent inquiries that were placed on my credit report. Spoke to a representative about the removal of the inquiries but was told it was nothing they could do. I was told to contact the creditor. However, the creditor informed me to contact Equifax. Equifax later reported that they verified the inquiries as mines. Which is not true. Equifax has been dishonesty and not properly verifying information. 

The inquiries that were not authorized by me is : XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX inquiries ) XXXX XXXX /For, XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Debt collection (I do not know) with Prince Parker & Associates (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX is constantly contacting me at ( XXXX ) -XXXX-XXXX. They will not give me the name they are calling for. Then they said they needed me to verify the last four of the social so I gave them the last four of both my wife and myself. They said " No neither one of those is correct '' They will not give me the name of the original creditor. The last time they called, a few days ago, they said they would take my phone number out of the system. I said, " thats what you told me last time ''. Their response was " Oh no, we will remove your number. On XX/XX/18 at XXXX they left another message on my answering machine. If you call them back the automated system says that the extension number you put in is not valid. I give up, please help. Thanks

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Medical debt) with Professional Recovery Management (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I sent a dispute/validation letter to XXXX collection, which is included in the attachments, certified mail. They received the letter XXXX XXXX XXXX. I received a notice roughly 2 weeks prior to the court date on the paper saying that fox collection would be carrying me to court. I contacted the company and spoke with the attorney, he said he was, in the legal department. I told him I was disputing the debt but was trying to explain to me that pretty much i do not have a dispute and still responsible for the debt. After sending my dispute/validation letter to fox collection center they sent me a letter in response to my dispute, also in attachments, that was not a real response letter to my dispute. They did not properly respond or send anything I requested from the company which is in the letter attached. They trying to put a judgement on me for some thing I do not feel I owe and I do not feel is right and also the amount. They pushed my court date out to XXXX XXXX XXXX. I am trying to get this matter resolved before then. I do not want to be stuck paying something I do not feel I owe. The name of collection agency is fox collection center, their address is XXXX. box XXXX goodlettsville tn XXXX. Their contact number is XXXX. Please help and assist in getting this matter resolved in a timely manner due to the company not properly handling my dispute or validation of debt. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Debt collection (Credit card debt) with Lustig, Glaser & Wilson, P.C. (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I had a secured credit card for {$300.00}. I got behind on payments for a couple months 2 years ago XXXX XXXX XXXX closed the account and put me on a payment plan I was paying {$75.00} to {$55.00} dollars every other month than they sold it to XXXX XXXX and there aggressive Attorneys who filed a judgement against me when we only make when we only made {$42000.00} a year. The amount they are trying to collect is {$710.00} and my Credit Card was only a {$300.00} limit which I had been paying on for at least 6 months. They keep going to court and calling and harassing us my wife had major XXXX and is now having to go through another one. We have been hit hard with the loss of some of our income and we have XXXX children. My credit is now ruined because they filed a judgement against me that was an incorrect amount and extremely high. I have 2 jobs and we can not pay our mortgage we were trying to get a home modification and add me to our house as my wife no longer makes enough to be granted one and now we can not. This is the only thing on my credit.

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