milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I " XXXX XXXX '' along with the help of my XXXX housing counselor applied for a loan modification for my property " XXXX XXXX XXXX XXXX XXXX NY XXXX loan # XXXX " with Caliber Home Loans. We submitted a the loan mod packet on XXXX/XXXX/2016 via fax. As of XXXX Caliber informed us they has a complete packet and it was sent to underwriting on XXXX/XXXX/2016. We followed up via phone every week after that to make sure the underwriter would not need additional docs. My housing counselor and I spoke with an agent on XXXX/XXXX/2016 and we were told packet was complete no additional docs needed, We spoke with Caliber on XXXX/XXXX/16 with XXXX teller XXXX and we were told loan still in review and no additional docs needed. Finally on XXXX/XXXX/16 30 days after it was sent to underwriting Caliber requested an updated bank statement for borrower which we then sent via fax on XXXX/XXXX/16. We called on XXXX XXXX, 2016 and we were told that bank statement received and that now it was sent to underwriting and we have to wait another 30 days for a decision. We explained that Caliber can not add an additional 30 days to decision process since the underwriter had a complete file for 30 days and only in the last minute the underwriter decided to now ask for a bank statement witch we sent within 48 hours of the initial request, Caliber just kept repeating the same thing " just wait another 30 days '' My housing counselor asked to speak with a manager and spoke with XXXX teller id # XXXX and she said she was a manger and that she would e-mail the underwriting department and underwriting supervisor to make sure they make a decision and are being compliant with underwriting guidelines, she then told us to call back tomorrow and we would have a better idea of when a decision will be made. We called the next day and spoke to XXXX teller id XXXX and we were told that file was in underwriting and wait additional 30 days. My housing counselor explained the conversation we had with a previous manager XXXX the day before and then we were was told that XXXX is not a manager so she basically misrepresented herself on the call the day before. We were then transferred to another person who told us he was a manger XXXX teller id # XXXX, My housing counselor had to explain the whole ordeal to him and he basically said just " wait another 30 days ''. XXXX did not care that underwriting had a complete packet for 30 days and just wanted us to get off the phone. This is why I am filing a complaint against Caliber Loans in regards to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Billing disputes

Complaint: This was a marketing scam that solicited a Vacation Invitation which lead to defendant " XXXX '' fraudulently opening a credit card in my name that has cost me thousands of dollars and has damaged my credit.

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 04/20/2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Unsolicited issuance of credit card

Complaint: Amazon Prime s ent me on  XXXX   XXXX  an renewal membership online for its product offering this credit card through Chase Bank I remember that I had this membership closed it on  XXXX  for the same reason I did not want it and I would cancel This Service a year ago and I told them no to offer it me anymore For some reason maybe my misunderstanding online They did renew it again my membership that I did not authorize, I called to Chase Credit card on mids of  XXXX   XXXX , They told me that I Dont worry about it, that I Have to call Amazon to Let them know and They were going to solve it all, I did talk to them again as per today  XXXX  and They said that I Have to file a dispute on writing even I said to them that operation has never had my permission That is why I am filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 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: The following hard inquiries on my credit report were not authorized by me. I have contacted the companies and XXXX several times via telephone and/or by mail requesting proof of my signature based on the FCRA only to receive a canned response and no proof of my signature. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX  XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 explanation
Consumer complaint received 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX tried to collect a debt I DO NOT OWE-letter sent to them it is XXXX XXXX tried to collect a debt I DO NOT OWE-letter sent to them is XXXX & XXXX The Collection Firm tried to collect a debt I DO NOT OWE-Letters attached that was sent to themXX/XX/XXXX XXXX is trying to collect a debt I DO NOT OWE-The Debt shows from XXXX has violated the policies established to protect sonsumers!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Recently Bank of America reported account # XXXX to my credit report as a negative around XX/XX/XXXX with an open date of XX/XX/XXXX. At the time this account was opened I was a student in XXXX. I was not legally able to open debt at the time. I have never opened up a credit card with Bank of America. This account is not mine and I strongly believe is being reported in error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-03-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This is an existing claim number XXXX. I was charged {$1000.00} to get a loan modification from Litton Loan servicing and I had to short sale the property losing.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Debt collection (Medical debt) with Komyatte & Casbon, P.C. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was diagnosed with XXXX XXXX in XX/XX/2014 and insurance company took their time paying XXXX hospital in XXXX so XXXX hospital sent the amount to XXXX XXXX XXXX within a month of my XXXX. Insurance paid this debt. No matter how many times we talk to the law firm they wont take it off my credit. I have called XXXX hospital and they apologized but nothing was done. Whats my next step. Oh I did go to the clerks office and they are sending me the paid bill.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Student loan (Federal student loan servicing) with EQUIFAX, INC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: All of my records state that the next available payment is due on all loans on XXXX/XXXX/2016, however, my Equifax credit score is showing a XXXX point decrease due to what seems to be a missed payment. I have been in loan deferment/forbearance since XX/XX/XXXX. I want to know why this drop occurred, when all payments are not due until next month.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Mortgage (Other mortgage) with PNC Bank N.A. (IL).
Issue: Application, originator, mortgage broker

Complaint: In XXXX I invested my XXXX into multi-residential apartment units and financed it through PNC Bank. My loan # is XXXX, under my XXXX complaint organization called XXXX. Over the last few years I tried to refinance this loan at existing interest rates which were 3 % -5 % points lower than my existing loan at 6.75 %. XXXX of my attempts were rejected. Over the course of 8 years I 've paid XXXX of XXXX of dollars in interest but principal amount have been reduced by only $ XXXX. After the economic downturn in XXXX, the interest rates dropped and so I wanted to protect my XXXX and leverage the low interest rates, but PNC rejected my requests for refinance, and continues to charge me high interest rates. I also suspect that with the current 6.75 % interest rates, the calculations may be compounded by additional charges which I do n't understand and this could be reason why it is not making a dent to the principal balance. Since the original investment came from my XXXX I want to protect this investment, but at this time I think I am going to be losing a substantial portion of my retirement income since PNC is not ready to refinance. I am XXXX years old, and have little runway to ensure that my retirement income is protected. So need your help to ensure PNC loan practices are in line with standard financing practices, especially those that apply to XXXX investments. During the economic downturn and even to the current day, my XXXX organization, XXXX XXXX has lost money each of the last 8 years. PNC cooperation in refinancing my loan in XXXX, XXXX could have saved me XXXX of dollars in interest payment, and helped me break even at least. I 've not missed a payment on the loan since XXXX, and was hoping PNC would take this into account in refinancing my loan as early back as in XXXX, when commercial loan interest rates were falling. 
Looking for some interest rate relief and retro relief too, as a special case since my retirement investment via XXXX was designed to be my retirement income, in a couple of years time when I retire.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have had multiple loan payments mishandled by Navient. They are either incorrectly entered, processed late, or not processed at all. All payments have gone directly to interest with no option to make payments on the principal balance, so my loans simply continue to grow. My payment amount have changed twice now despite having the same amount of monthly income, and I am on an income-based repayment plan. As it stands, my loans will never be paid off in my lifetime if I can not make any payments on the principal amount and my bills continue to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (NJ).
Issue: Money was not available when promised

Complaint: A Western Union money transfer # XXXX was sent to me XXXX XXXX some weeks ago while I was traveling and since then WU has refused to honor the transaction on more than one occaision.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I bought my home in 2006 with XXXX MORTGAGE. I made my payments every month. My mortgage was for XXXX. My home was sold to Caliber and they are trying to say I owe XXXX. How is that possible? What happened to my equity? I have been trying to get a modification from Caliber and they are playing games with me. They keep asking me for the same papers over and over again this has been going on for almost a year and no modification and they wo n't accept my payments

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Consumer Loan (Installment loan) with CHECK INTO CASH INC. (TN).
Issue: Taking out the loan or lease

Complaint: If I need to file bankruptcy, XXXX XXXX is the cause. 
I 'd been with XXXX XXXX for years as they offered both payday loans and a XXXX cash loan with a total pay off of XXXX. In XXXX XXXX I went in to XXXX XXXX and was told they had switched to a new flex loan that would " save me money '' but because it was so new the clerk did not no the details. That 's when things got out of control. I was making regular payments with automatic deductions from my banking account and not getting a bill. Three months later I went into the store and was told I only had {$35.00} in credit ; that 's when it hit me! I had made approx. 3 payments of {$700.00} dollars thinking I was getting close to the end of this loan. I did file a complaint and agreed upon a settlement with the company when I received a tax refund in XXXX XXXX. I spoke to a very nice company rep and we settled on a payment arrangement and was also given a 30 % rebate off their product. Once again, I found myself as a customer of theirs as if I had n't learned my lesson and I am in a worse boat then ever. I do n't believe the 30 % was applied to this loan and out of desperation I went to another pay day loan to take out a new loan to pay off XXXX XXXX and am now up to XXXX. Yes, I am taking fault as I wanted to make payments but these companies make so you will NEVER got out of debt with them. The additional XXXX companies I used are Check Into Cash and XXXX. Between the XXXX companies, they 've eaten up XXXX of my paycheck as they automatically take the money from my account. I am behind on all my bills and even two months behind on my mortgage because I am trying to pay them off. What I owe is greater than what I initially borrowed with each of these companies. With Check into Cash, I tried to make a payment over the amount due and was told by the manager " my computer wo n't let me do that. '' These companies are impacting my quality of lie and health. In XXXX I was XXXX and the XXXX was way better than dealing with these companies. I make a decent living and they are robbing me blind, but what about the people on a fixed income who use these products. Each of these companies pretend to be transparent with their fees but are not. I 've signed papers with each of these companies and still do n't feel satisfied with their representation. 
My main complaint is why are these companies allowed to do business? If I do n't pay them back, is somebody going to come and XXXX as this situation must be worse than dealing with a loan shark. The people that use these products are not rich to begin with and they are really preying on this group. They do n't care about people at all, just their money and are stealing people blind.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XXXX 2017 because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX 2018 on my credit card accounts.

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 09-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They will call from XXXX number i will ignore so 15-30 minutes later they will call again. Conn 's will call me no less than 5 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I complained back in XXXX about my Chexsystems information being incorrect. 

They have my middle initial a C when it should be R. 

Chexsystems told me the report was given by a bank sometime ago, most likely a credit card I tried to apply for years ago. The middle initial in their data base with the letter C is incorrect. 

They refuse to correct that information. 

I believe that is why banks, etc. have turned me down several times. There was a time when identity theft was being committed towards me back in 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 explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Cap One appeared on my credit report on XX/XX/XXXX and on XX/XX/XXXX. I have never applied for an Capitol One card. I been an authorized user on my mother card the last past 3 years. 
XXXX XXXX appeared on my credit twice as an inquiry on XX/XX/XXXX. I reached out to them and I was told they could n't give me any information on the account because I could n't verify any information. 
XXXX appeared on my credit report as an inquiry on XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX XXXX appeared on my credit report as an inquiry twice on XX/XX/XXXX. I called several times regarding this matter I could not get in touch with anyone. 
XXXX appeared on my credit on XX/XX/XXXX and XX/XX/XXXX. I 've been an authorized user on XXXX XXXX XXXX account since XXXX XXXX. 
XXXX appeared on my credit as an inquiry on XX/XX/XXXX. I never had an account with this company. 
XXXX XXXX appeared on my credit report on XX/XX/XXXX. I do n't know where this company is located but I did not authorize this inquiry. 
XXXX appeared on my credit reportXX/XX/XXXX. I did not authorize this inquiry. I tried calling but I can never get through to who I suppose to talk to about this matter. 

If you need any documentation you can email me at XXXXXXXXXXXX. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Bank account or service (Other bank product/service) with Comerica (TX).
Issue: Using a debit or ATM card

Complaint: This is the complaint on the services in association with Comerica Bank, Comerica Bank XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX. 
This card is from Direct Express Treasury, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, XXXX XXXX XXXX. 
This debit card is required used for Social Security recipients. 
The complainant is a veteran and has both documented XXXX and XXXX diagnosed. 
This account has resulted in numerous card changes based on reported security problems, deficiencies, transactions problems. 
Transactions and withdrawals, cash back transactions have been swindled. 
Several fraudulent and many non receipted transactions have taken place. 
Complainant is XXXX XXXX. 
This card service is in need of investigations for fraud, other financial crimes, racketeering, swindling, financial problems. Predators, robbers, thieves, crooks willconjure, stalk, plan thefts against Social Security recipients, based on the receipt ofpayments on and around the first of the month and they know that recipients have debit cards. 
Complaints have likely been filed against these services in the past and are likely current. 
XXXX recipients may likely be victims of stalking, robberies, thefts, and other crimes associated with the Comerica Bank debit card account. 

To resolve this on going problem, investigations should be able to determine fraud, unwarranted surveillance practices, thefts, any other financial crimes, white collar, organized, financial, bank frauds, violations that are the result of this debit card required system. 
Customer services, merchants, ATMs, banks, may be responsible for problems, complaintsassociated with the use of the debit card system. 
Consumers who have been victimized by these fraudulent services need to be compensated andother financial services need to take the place of these fraudulent services. 

This institution is responsible for the insolvency and its many complaints that may or may not be documented. 
Banks closures are a recommended solution and will likely benefit the increasing continualfederal debt crisis as numerous other financial institutions have faced numerouslawsuits, litigations, rulings, cases, complaints, and the like.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I called transunion and tried to get them to delete inquiry 's that they deleted and put back on without giving me notice.

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 03/16/2017 about Debt collection (I do not know) with Cascade Capital, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a letter in mail from XXXX in reference to a debt of {$760.00}. Letter indicates original creditor was Cascade Capitale which I have no knowledge of. This is causing me anxiety and fear my personal information is being shared with others which can cause identity theft. In no way this debt has been validated as mine and I request company to cease contact and delete information as to this may potentially affect my credit and/or use identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was recently reinstated after Ocwen Servicing wrongfully foreclosed on my property during the processing of my modification request. Ocwen rescinded the foreclosure and reinstated the deed. Recently I received a mortgage statement it reflected a substitute deed recording charge, sheriff fees, Lender placed Insurance fee. These charges have been included in my next month mortgage payment. My house was wrongfully foreclosed. Please request Ocwen remove the fees associated with the foreclosure.

Company response to consumer: Closed with explanation