milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Closing on a mortgage

Complaint: On XXXX XXXX, XXXX, I applied for a Mortgage loan with Caliber Home Loans to refinance my home and I specifically spoke to XXXX XXXXLoan officer. 
XXXX asked for all necessary documents to start processing my application, all of which I provided as requested. Unfortunately as required by Law, I never received the initial disclosures within 3 business days of Application receipt Date or a Credit Decision within 30 days of application date. 
On XXXX XXXX XXXX XXXX contacted me and said that my loan application had been approved and will be sending me initial disclosures. 
On XXXX XXXX, XXXX, I received initial disclosures from Caliber Home Loan but was asked to back date the disclosures 3 months back to when I initially submitted the application! LE of GFE not among the initial disclosure package provided by Caliber. I called/emailed the Loan officer asking for my LE and he said it will provided as soon as he gets it. I still have n't gotten my Loan Estimate. 
One month passed by without hearing from Caliber and on XXXX I was shocked to receive a Notice of Denial from Caliber stating that my loan was denied due to : Credit Application Incomplete. This is simply not true, I never received a Needs Letter from Caliber however I did receive an email confirmation from the Loan Officer stating that my loan was approved. I am so disappointed by Caliber Home Loans unethical business practices. It 's evident that mortgage companies such as Caliber did not learn anthing from XXXX mortgage crisis and surprised that it is still in business.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX    XXXX   as an account under my name and i do n't know about that account, it is not mine, it is affecting my credit score. I 'm a victim of fraud. On my credit report appears more account that i did n't know about and another phone number that is associated with my social security that is not mine. My phone number is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I have requested the documentation regarding account XXXX at Bank of America continuously now for 7 months and they continually ignore the request. They got the original request well within the destroy documents period, but because of deliberate inaction as well as gross negligence they have not complied with this reasonable request. The result has been extreme hardship and financial loss to my family

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 04-03-2017 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Taking out the loan or lease

Complaint: I have XXXX separate leases on XXXX vehicle all dated the same date ( XXXX/XXXX/XXXX ). ( Yellow Copy attached is my Copy ) and the only one with my signature but wrong months, which I file a complaint with GM about back in XXXX. Second is GM Financials ( their Contract XXXX pages attached ) provided to me on XXXX XXXX, XXXX with a Fraudulent Signature and multiple changes including a crossed out amounts, and several discrepancies including payoff is {$0.00}. Third is Dealership Copy of their Lease which is unsigned. I have notified the XXXX as well as the Attorney Generals Office and have enclosed all paperwork for your file.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I hired XXXX XXXX to make monthly payments to all my ceditors and in XXXX of XXXX I was sent a notice form XXXX XXXX that I was late XXXX days. I called XXXX and submitted a dispute to Transunion and I have not been able to remove that late payment nor XXXX XXXX was able to either. I pay my portion To XXXX each month and they pay my creditors the same day every month, no reason to have a XXXX day late Credit Card payment.

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 11-02-2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Billing disputes

Complaint: This is in regards to a Home Depot credit card. I went into the store to make an {$11.00} purchase and was approached at the register by one of the store employees who represented herself as being one of the people in charge of signing up customers for credit cards. She told me that if I filled out a credit application that the purchase I was making would be free of charge, simply for making the application. I gave her the information to fill out the card and was cashed out at the register. Since the purchase was so small and had been represented as free of charge, I did n't bother to check the receipt for how the transaction was actually done.I do n't have great credit, so I was n't sure if I would even be approved, but I was. The first statement came in the mail and had an outstanding balance of {$1.00} and change plus a finance charge or {$2.00}. I immediately called the company to tell them of the deceptive practice, to cancel the card and refuse payment. Over several months, I have called and written to the company regarding this matter, even using the email option provided by Home Depot ; getting no satisfaction. I just keep getting bills with additional finance charges and late fees. I can see that eventually this to will be added to my credit report as a bad debt. Per your instructions, I am sending a copy of one of the bills I have received, but it is an older bill.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-03-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I pulled a copy of my credit reports and saw the Central Financial Control reported XXXX collections that does n't belong to me. I called to ask for validation of the debt in XX/XX/2017 and they got rude and refused to send it. I sent a certified letter to the company on XX/XX/2017 requesting validity of the debt and to cease and desist all credit reporting until the debt is validated. The company is still reporting the collection on my credit report and has not responded to my letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: on  XXXX / XXXX /  XXXX  , I was on the phone for hours w ith American Express  ... .all representatives were " offshore '' as they put it, and when specifically asked they were in  XXXX   in  the  XXXX   . They   refused to transfer the call to the United States or give me a last name of the person asking for personal information from me.     The purpose of the call would have been to use their free transfer service to the bank account from which the card was loaded with {$200.00} as a trial to see how hard it was going to be to use an  American Express c ard places wher e Visa, Master Card,   XXXX , and other general credit cards are accepted. The answer is that   American Express is no longer widely accepted in the United States, and therefore, I wanted to get my cash back to my bank account.
The AMEX website clearly explains a free service to transfer the money to a bank account, how  ever, there is no way on the website to enter a bank account number, and their chosen method of loading money to thei r Serve credi t card is to do it from a  XXXX   XXXX   XXXX   debit card, not the checking account. Copy of page attached.  But AMEX wants 5 business  days to send a sample deposit and then you have to go back and enter the little deposits before you can make a transfer and then another 5 days for the transfer to post.. So in effect it is at least 10 days to move money   back into the bank it came from. Now, if i lived in a city, i could go to one of their ATM.s, but I am 80 miles from the closest one of those. So either I wait 10 days or drive 80 miles.
Had i been able to get to a representative in the USA, I   might have been able to speed things up, but i refuse to give my personal information to someone who is not in the United States

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Unsolicited issuance of credit card

Complaint: I had a temporary account with Chase Bank ( set up in order to receive a payment from another Chase customer ). In XXXX of 2016 I received a letter saying that a credit card application in my name was submitted on XXXX XXXX and denied because it was a duplicate application. I never applied for this credit card. When I called Chase Bank to sort it out, I found out that there was an application submitted on XXXX XXXX as well, and that was accepted. Again, I never applied for this. I spoke with a cust. rep and cancelled the card. And told him this was fraud. They said there would be a private investigator who would contact me, and to this day, they have n't. The cancelled card ( which was apparently already in the mail ) came to my address. I am beginning to think that CHASE bank used my information that was in their system to fraudulently open a credit card. I have n't had any other instances of a stolen identity or odd things reported on my credit score or in any of my other accounts since that incident.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. I am a XXXX and under Public Records Law no agency may divulge my personal information for commercial use. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have worked for the past 19 years as a XXXX XXXX XXXX at XXXX XXXX XXXX ( ALL of them ). I MORE than qualify for XXXX XXXX Student Loan Forgiveness ( Most recent degree- XXXX- completed in XX/XX/XXXX). I tried TWICE for it and had all of the documentation ( XXXX Forms completed by school system personnel office ). I was turned down both times. I am in forbearance and NOT in default. Nor have I ever been in default on this loan. I am very conscientious about keeping my forbearance current. None-the-less, I was told some old XXXX. like " Well, we see you had loans in the XXXX 's ''. So basically because I 'm of a certain age and have multiple degrees, they are telling me that I ca n't get the loan forgiveness on my current student loan ( Stafford Loan being handled by " FedLoan '' ). I 've read that people have been erroneously denied loan forgiveness and feel that I am one of them.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing in regard to the several attempts I have made to Transunion to remove the multiple inquiries that's showing on my report. I have sent certified letters ( XXXX & XXXX ) to Transunion with a copy of my ID and SS card and proof of my current residence. I advised also by phone that these are not recognizable inquiries and it is impacting my credit score. I also advised in a certified letter that there is a bankruptcy that is showing on my credit file that needs to be removed. I contacted the US bankruptcy court to ask them about a case that's showing on my Transunion and XXXX  report, I was advised by the clerk that they do not report information to the credit bureaus. I called back ( XXXX ) to advise that the information that you are reporting on my file is incorrect and needs to be removed. I received a letter in XXXX stating that my inquiries and Bankruptcy came back as verified. I sent another letter in XXXX asking them to please send me proof on the evidence they attained to verify if any of the information was indeed mine. I have yet to receive a validation from XXXX or Transunion.

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 04/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with RoundPoint Mortgage Servicing Corporation (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Two years in a row, Roundpoint MortgageServicing Corporation forced placement for insurance on my property even though I had insurance coverage in place throughout that time and repeatedly sent copies and had my insurance company send copies. I 've had a total of XXXX documented phone calls, faxes, and letters to Roundpoint during the last 18 months and they have ignored my request to make this right. Each time I 've talked to someone in customer service, they have assured me that they have everything needed and that they see my insurance was in place during that time. I asked repeately XX/XX/XXXX for them to refund the amount they were escrowing since they did not need to force insurance since my was continually in place. They say they can see that they had proof of insurance, but will have to have the escrow department review and contact me. Nothing ever happened. When they forced insurance again beginning XXXX/XXXX/XXXX, I sent them a letter ( attached ) asking for immediate action for this fraudulent action. They just notified me that they will not escrow money for XX/XX/XXXX and have cancelled the forced insurance for this year. No mention of the prior year was given and my call to them gave the same result ( " I can see you had insurance in effect and we have what we need, but I ca n't take action ... '' ). 

I appreciate your help with this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have been contacted several times in the last week by Portfolio Recovery regarding a supposed debt with XXXX. Most recently was XXXX @ XXXX. I was also contacted XXXX at XXXX and XXXX @ XXXX. I have asked the company to stop calling me at this time because my boyfriend XXXX XXXX Thursday XXXX and I was trying to deal with that right now. They advised me they would NOT stop and " I do n't know what to tell you ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2017 about Debt collection (I do not know) with Continental Central Credit, Inc. (HI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received a collection notice in the amount of {$3500.00} for maintenance fees on a timeshare from Continental Central Credit , inc . The amount includes {$1100.00} in fees from previous collection company " XXXX XXXX XXXX, '' and {$880.00} in fees from Continental Central Credit , Inc . The original debt was {$1400.00}. We attempted to make payments to XXXX who returned our payments when made. We disputed the debt for excess fees greater then allowed by law, but nothing happened. Now this new collector " Continental '' is attempting to collect {$3500.00} by adding {$880.00} in fees on top of the {$1100.00} in fees tacked on by XXXX to the original debt. XXXX sold the debt to Continental including their collection fees. The original contract does not include allowed interest or excess fees. XXXX also tacked on interest from the beginning, adding interest before they actually owned the original debt which is not allowed under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problems caused by my funds being low

Complaint: Thank you CFPB. In regards to complaints numbers XXXX & XXXX I 'm satisfied with the company 's response. Please cancel any further action. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I asked to see the contract showing the open and close date of this account that was already paid. No contract was provided and I was unaware that the account was sold to a collection agency as the account was paid. No contract has been received. I do not owe this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Credit card protection / Debt protection

Complaint: after speaking with a XXXX . XXXX from Citi card, i 'd still like to know if Citi Card was justified when asking me for additional information regarding my personal accounts. Upon Upon When accepting citi card we had agreed to personal information that would let Citi card know they were in deed speaking with me. However, upon trying to activating my credit card at which time, I was asked for information we had n't agreed to as whys of identifying me as their card holder, we had also agreed too other means of identying me. Does Citi card have a legal right to ask me about my checking accounts as well as my credit card account when this information was not give to them as a means of identification me when I open my account Citi Card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX is saying the opened date is 5 years later then it is also reporting I owe more then XXXX origanilly sent me letters to pay also XXXX  can not verify this debt is owed after bankrupcy 10 years ago i feel they have purchased a debt that should have been discharged in bankruptcy but purchased debt never verified debt and now reporting it is a new debt owed I have no debt from this company or any affliated company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2015 about Debt collection (Credit card) with Investment Retrievers, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed this account with this company and received some stuff which provides me no evidence of when the date of last activity was. This XXXX account is very old and past the statute and this company has re aged the account because they purchased it which is violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Corp Solutions Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: to whom it may concern I am receiving telephones to my place of employment for debts that are not even mine. I am requesting to press charges to full extent of the law. And demand they stop immediately the company name is credit corp. solution the rep name is XXXX XXXX the phone she gave me is XXXX ext XXXX. I will further more cc the Texas State Attorney General Office so they start investigating the company tactic and demand that this loan is removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (I do not know) with Halsted Financial Services, LLC. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a call from Halsted Financial this morning about a debt I did n't know I had. I requested something in writing as I did not receive whatever mail they sent me. They wanted payment over the phone, and I said they would not get any access to my bank account, that I would send a money order or cashiers check with the bill. The supervisor then spoke to my husband and said that if we did not pay it right then, he would mark the account " refusal to pay '', even though I had said I would mail in a payment. I did not refuse payment, just refused to give them electronic access to my bank account. They then threatened legal action.

Company response to consumer: Closed with explanation