milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have a second mortgage on my home with Specialized Loan Servicing , LLC. I pay my {$440.00} mortgage on time every month. For the last eight months I have been sending in a seperate payment of {$500.00} that I have clearly marked " Additional Payment for Principal Only ''. They have only applied XXXX of these payments to my principal. I have called three times and submitted a previous complaint. They said they corrected it and that they would send me a listing of all of my payments. They sent the list of payment but it also showed that they have only applied XXXX of these payments to principal. The other principal only payments they are holding in an " unapplied account '' or they apply it to the next regular payment. They are holding my money. Not applying it as I asked and lying to me about it when I call. I believe they are fradulently doing this to extend the loan that I am trying to pay off early.

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 11/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CA).
Issue: Application, originator, mortgage broker

Complaint: We applied for a mortgage refinance loan with Citibank loan agent is XXXX XXXX with Citibank N.A His NMLS id is XXXX. After getting the loan application and all conditions over to XXXX we were first going to get 3.5 % rate for 30 yrs fix and no closing cost ( no points, no cost ) Loan and XXXX XXXX came back to us stating that he would not be able to deliver it as our loan needed exception so we insisted we need to communicate with his supervisor/manager thats when we received a call from XXXX XXXX XXXX who explained why the rate of 3.5 % was going to be with cost based on this we initiated a change to XXXX Arm rate of 3.375 % with 0.875 % in lender credit and this was confirmed by XXXX XXXX and we have received communication from Citibank re this change and GFE too. 

we had made very clear to MLO XXXX XXXX and XXXX XXXX XXXX that we would only spend for the appraisal once we have conformation from them that only condition left is the appraisal and so we did the appraisal too. 

I fail to understand that in such highly regulated lending regulations how can a MLO play with us and waste our time and money with confidence that he would get away lying, deceiving and misleading every step of the way. 
As of XXXX XXXX/XXXX/2015 we received an email from MLO XXXX XXXX saying that Citibank has switched us back to 30 yrs fix rate with cost and this is after we had confirmed that we were ok to proceed with XXXX Arm rate so we deiced to pay for the appraisal. 

we have wasted our time Money and all we are getting in the email from XXXX XXXX is disrespectful emails and threats that he will not do anything on our loan at all, because i wrote to him and his manager how we feel that we have been lied to. 
i call this Bait and Switch or booth closing loans which this MLO is doing with us. 
My Name and information isXXXX XXXX loan # XXXX XXXX XXXX XXXX, CA XXXXMy email id is XXXXXXXXXXXX direct # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (I do not know) with Platinum Holdings Group, LLC (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX with Premium Receivables LLC continues to call my job after I 've asked him not to, he also calls my family members stating he 's trying to locate me to have me served with papers regarding a civil case. He is very rude and unprofessional, I can not get a word in because he talks over me. I get stressed every time he calls especially when he calls my job, I 've worried I may get fired because he continues to call.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (I do not know) with Alliance Data Card Services (VA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I am an XXXX in XXXX XXXX, and received a lengthy voicemail threatening my future if I did n't call " XXXX '' back before close of business today. My phone number is on the Do Not Call List, and I owe no outstanding debts to anyone -- I have stellar credit on all credit reporting agencies. Nevertheless XXXX called my cell phone ( which is a South Carolina number, and I have had it for decades ) at XXXX and left his abusive and threatening message about a debt that XXXX XXXX owed. I know many XXXX XXXX -- it is a very common name. But that is not my name. I called XXXX back and he refused to tell me how he got my cell phone number or more details about why he was calling me, or how he knew my name was XXXX XXXX. His supervisor did the same. This debt collector is calling random or targeted people with the last name XXXX, apart from the alleged debtor, in an apparent attempt to force the debtor to pay. I do not know who the debtor is, but there is no other reason to call my number and leave a threatening message for XXXX XXXX, when my name is not XXXX XXXX and my voicemail greeting clearly states that. This is aggressive and abusive debt collection practices, and also violates the Do Not Call list, as my number is listed there and this company has no business with me. This bank called from phone number XXXX, and XXXX stated to call him back at XXXX, extension XXXX. His supervisor is XXXX. Both XXXX and XXXX demanded to know my first name and I refused to provide it, stating they should already know it before calling my cell phone number ( which I repeated for them ). XXXX kept demanding to know my first name, and I refused to give it, as she refused several times to give me her full name as well. This bank should not be allowed to harass other people related to a debtor, or bearing the same last name ( XXXX is very common in parts of the world ) in order to collect debts or attempt to embarrass a debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 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 was told by a customer service agent that I needed a copy of the police report in order to have this account blocked from my report- I 've provided that numerous times and it is still showing on my report. Please block this creditor ; I 've been telling Equifax for nearly three years  now that it does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LENDING CLUB CORP (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: disputed this account with XXXX, to get proof that this is a account of mind the dispute was done under section 609 of the fcra. XXXX has to show proof to report this on my credit file or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: While reviewing my credit report, I came across a revolving account I did not recognize. The following credit item does not belong to me : XXXX partial account number : XXXX I have never applied to this company for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TN).
Issue: Taking out the loan or lease

Complaint: Went to XXXX XXXX XXXX in XXXX TN to purchase XXXX XXXX. When it came time to get with finance dept. the gentleman XXXX XXXX XXXX ) helping/robbing me told me I HAD to purchase extended warranty to get any financing. He added a {$1500.00} " XXXX XXXX XXXX premium to my contract. I had purchased from this dealership previously and was told the same thing. At that time I did n't think to question it. That finance guy was XXXX XXXX, who I just learned was been promoted to management of the dealership. Guess I know why. Sells exorbitant policies to people every chance he got to increase his sales and commissions.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Specialized Loan Servicing LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: SLS Continues to send Me Statements attempting to collect a debt that has been satisfied and extinguished Code of Civil Procedure XXXX ( 2000 XXXX XXXX XXXX. XXXX XXXX. ) No Assignment provided Was this Alleged Debt Purchased? 
If yes From who?

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Ive contacted the companies and tried to resolve the matter still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Ref : Capital One Bank Credit Account # XXXX I contacted Capital One 's fraud department via phone on XX/XX/XXXX to inform them of multiple unauthorized charges on this account from vendors I did not recognize. I was told an investigation would be opened and I would be sent an update in writing. 

It is now XX/XX/XXXX and not only have I not received any information in writing regarding this investigation, I now see multiple new charges from the same vendors on the card. I had paid my last statement balance in full ( including disputed charges ) on XX/XX/XXXX since I had not heard from Capital One and did not want to be assessed late fees or penalties. 

Capital One now informs me that it will take 1-2 billing cycles to resolve the fraudulent claims and that in the interim they will not issue credits. So due to the lack of efficiency of Capital One, the consumer, has to pay unauthorized charges. Not only that, despite me having flagged unauthorized charges from vendors, they continued to authorize charges from these same vendors despite the card number having being changed. The explanation for this is that XXXX has updated the vendor with the new card number. So, to sum up, despite me flagging a vendor as having made unauthorized charges on my account, Capital One has seen fit to go ahead and without my permission update the vendor with my new card number and then had the gall to actually authorize further charges on the card. 

This is a travesty of consumer rights. I did not give Capital One any permission to update vendors when my card number changes. In fact, I want quite the opposite. Why is this being done? Is this legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-07-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: A company named XXXX XXXX successfully submitted a fake check to my bank written on my checking account, which they cashed. The company is from XXXX XXXX FL. The check looked nothing like my other checks and was a completely different sequence number. My name was also spelled wrong on the check! The bank was Wells Fargo. I can not believe they cashed it.

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 02/22/2017 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2011 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 explanation
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (AZ).
Issue: Deposits and withdrawals

Complaint: Please refer to Case number : XXXX. On XXXX XXXX 2016 I submitted the application to open the account and also deposited {$1500.00}. It took too much time to get this account open and getting the online access. Now I am seeing that almost after more than 5-6 weeks - they ( hsbc ) are reflecting as if they received the money just on XXXX/XXXX/2016. So where this money was for more than 5 weeks? Why HSBC should not pay interest to me as it 's all the delays from their side? either they should give interest rates from the day they got it or be efficient in terms of opening the account. Another problem is that all their process is very cumbersome and complex - not even folks like me whoa are just XXXX yrs old and in XXXX can follow it - others wo n't be able to do anything also ... .moreover customer service of HSBC is terrible ... yesterday i called ... it seems the call went to XXXX with so much back ground noise ... i said please keep the phone on mute ... i was told please bear with us ... we ca n't help ... that 's the overall standards.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I sent Transunion a letter regarding unauthorized credit inquiries on my credit report via XXXX. On XXXX, XXXX XXXX, XXXX XXXX XXXX signed and received my letter regarding the inquiries. As of XXXX, XXXX XXXX, XXXX I have not received any correspondence related to my disputed and their investigation results. According the FCRA, they are required to disclose the results of their investigation within 30 days and if the item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, they are required to modify that item of information, delete that item of information or permanently block the reporting of that item of information.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is concerning the recent Equifax data breach. This is a service that I never agreed to - it is nearly impossible to survive as an adult American without a credit report. 

The company was the victim of a breach of most of it 's customers personally identifying information. They appeared to withhold the breach from the public for some time after it occurred. It 's leaders apparently sold stock in between the time of the breach and the public finding out, indicating that they knew and may have conducted insider trading at the expense of 140,000,000 million Americans, or nearly every adult alive who has interacted with the nation 's financial system. 

The service Equifax offered to find out if you were potentially a victim reported to me that my information may have been compromised. 

As a result, I will need some element of identity protection for the rest of my life. I have been advised to freeze my credit. This is small compared to the likely impact on the nation 's financial system and identification systems. 

It is difficult to convey the immense scope and future impact of this company 's criminal negligence in words.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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: Transunion and XXXX keep reporting several accounts as verified and I never received any prove stating that this was accurate. XXXX sent me a letter stating that accounts could not be verified and deleted immediately. 

Transunion and XXXX are reporting one account as Bankruptcies with XXXX XXXX, and that is inaccurate I have not filed bankruptcies at all and it's no court records of that, so it couldn't have been verified and this was after a second letter. 

They are also, reporting XXXX 's which was sold off to another company and they couldn't verify the information and again XXXX deleted because it was unverifiable ; as well as, XXXX XXXX which again XXXX deleted, because it was unverifiable. 

I filing this and I am sending another certified letter for the third time because these things are false claims on my credit report, which can not have been verified because " XXXX '' did there job and correctly removed items and I need Transunion and XXXX to do so or legal action will have to be filed due to them failing to follow section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 7 ) and 611 ( 5 ) ( A ) and legal action based on ( Section 616 and 617 ) as well.

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 03-01-2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My name is I contacted anyone and everyone that would listen. But Caliber homes loan employees are unable unwilling or just to disconnected with your customers. The Refi process has been one of the worst experience. My credit score was dropped because of this company inability to understand whats going on under its own roof. No fault of mine, much to the contrast I contacted several employees at Caliber warning that if they did n't get in front of reporting a late payment that in fact was not late but in fact the loan was paid off that there system is going to report and it will make my life way harder then it already is. I do n't understand how this could happen, even if I was n't calling it out before it happen but the fact that I did repeatedly is just unacceptable. 
Please contact me Thanks Thanks for getting back with XXXX I believe that XXXX is the voice to advance this into a bill. Way to many good hard working Americans get hurt every day over false reporting. Then it 's up to the victim to try and get it repaired. So even if the victim gets it removed shows all the other creditors the explanation letter from the source of this false reporting. Keeps his other creditors from raising there rates. This will still show as a dip in the credit score since it grades are based on past and present scores. Please consider this to be on the agenda for XXXX I know he can champion this, for the working class people of this great country. Many of us do n't know what to do if this happens or even knows if it happens do n't have the time or know how to try and fix it. It seems like a company such as a Bank or other leading institution should play a greater part. A simple letter of correction should not be all. The reasons we give fines is to keep people in check I believe that the thousands of silent victims will agree that its costly seemingly non-endings and take a great toll on the person physical well being. I myself have lost hair, sleep i 'm distracted at work home while driving Thank you for being our voice XXXX and Thank you for your hard work XXXX 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing because the servicer Ocwen continues to violate my rights. I previously filed a complaint with the Bureau of Consumer Financial Protection regarding this issue. 
Ocwen in response to my complaint adjourned the Auction sale date to XXXX XXXX, 2015 pending the out come of their decision on my modification package, only to later inform me that the investor does not allow modifications. 
I then was told to send in another package for a short sale only by XXXX XXXX, 2015, which I did. Once the package was received I was then told that it was to late. 
Moreover, I was informed that my mortgage was being transferred to XXXX loan servicing on XXXX XXXX, 2015. 
Moreover, Ocwen has refused to send me proof of debt or copies of original loan documents. I have been discussing the transaction with someone and I ca n't recall signing any loan docs prohibiting me from modifying my loan. 
I am challenging this debt because as a whole I believe this debt is a fraudulent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Contacted Equifax regarding validation of debt by XXXX XXXX XXXX , XXXX of XXXX, Texas. Received correspondence that the account was validated. However, when contacting XXXX XXXX XXXX for additional information by certified mail on XXXX XXXX, 2017 ( XXXX ), the company stated that they were unable to locate the referenced account. I provided them sufficient information regarding the account. How is it possible for Equifax to validate an account if the organization can not locate my account? Also XXXX XXXX XXXX, XXXX per their correspondence and the Texas Finance Code 392.101 does not have " Active '' status to engage in debt collection in the State of Texas. The law specifically state that ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) the bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. The bond must be in the amount of {$10000.00}. During this time period XXXX XXXX XXXX XXXX has not been in a " Active '' but rather a " Cancelled '' status which removes the company from pursuing any alleged debt in Texas thus making Equifax in violation of Metro 2 compliance by validating a debt that is not collectible in the first place. I 'm requested that the five derogatory accounts be deleted from my credit report.

Company response to consumer: Closed with explanation