milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2016 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My current mortgage company, Caliber Home Loans, took over my mortgage in XXXX, XXXX from XXXX XXXX, and they have perpetually miscalculated my mortgage payment / escrow, which has resulted in both insurance and monthly payment issues that have significantly affected my finances. 
Shortly after taking over the loan from XXXX XXXX, Caliber failed to make payments to my homeowner 's insurance company ( XXXX XXXX XXXX ). XXXX sent me notifications threatening to cancel my insurance due to a lack of payment. Several phone calls to XXXX, XXXX, and Caliber revealed Caliber had an incorrect address to which payments were supposed to be sent. For the years XXXX had my loan, there was never an issue. XXXX had passed along all the appropriate addresses and information, but Caliber chose to use a different address. Aside from lost time, we had to pay a large lump sum to XXXX to have our insurance continue while Caliber figured out their issue. 
From XXXX to XXXX XXXX, our monthly payment remained the same as it had with XXXX. In XXXX, XXXX, Caliber notified us of a new monthly payment, which was less than what we had been paying. In XXXX, XXXX, we received notification from Caliber our escrow account had insufficient funds to make payments ; therefore, our monthly payment was increasing to cover escrow costs. This new payment was an increase of {$790.00} per month! This was a XXXX % increase in the monthly payment ... a very significant amount with huge impact to our family budget. When I called to discuss the issue, I was told the error was my problem / fault. The implication was they could not be expected to calculate an accurate payment. Any error in their calculation, they claimed, was my issue for not ensuring they, as a mortgage company, could do proper math. Their error, in fact, was completely omitting payment of homeowner 's insurance. ( ANOTHER issue with insurance ... ). 
I absolutely understand that a monthly payment can change due to taxes, etc., but to change by 37 % is exceptional and egregious. There must exist some reasonable expectation between the consumer and the company ( especially a mortgage company ) that basic calculations are done correctly. Their error reflects institutional incompetence ; their attitude shockingly indifferent. They admitted the mistake, but offered no solutions that held themselves accountable for it. 
I 've never missed a payment. I did not ask or seek the relationship I am stuck in with Caliber. As a XXXX, I can not accept their ridiculous lack of accountability. Their comedy of mistakes has and is affecting our ability to save for our children 's education and our retirement.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Application, originator, mortgage broker

Complaint: My mortgage Company is making me behind in my payments. They started holding my payments in funds in suspense balance in XX/XX/XXXX. XX/XX/XXXX statement has {$2200.00} being held. my payment is was {$1100.00} then they raised the payment with telling me why. 
It was just on my statement I was doing trile payment until XX/XX/XXXX of XXXX. 
I did all the payments but, then they made all the payments that I made in the trile pay ments back to XXXX. No letter why just changed on statement. I have a escrow that gets {$290.00} each month. They took my payment to pay my taxes. did not count it as a payment. Just put me behind more in my payments. Then they took my payment to pay my insurance. did not count my payment as a payment put me behind another payment. 
I have been trying to get a loan modification for a longtime they just keep making me do the whole package to get the loan with over. I can never talk to anyone. I leave messages no one calls me back. I am on XXXX my check is only {$XXXX} I have been trying to get a loan since XX/XX/XXXX. I never get a letter turning me down they just want more paper work that I have given them so many times they say they do n't have it. The tell me its in underwriters then they need more of the same paperwork. I have worked with them until what they are doing to me now. I make a payment they hold it in suspense. They make me behind another month. They are suppose to pay my taxes and insurance out of my escrow. Which XXXX goes into it every month. I have ask for a copy of my escrow account have not got one yet. I am being miss treated by them. They are putting me behind even if I make payment. they want to foreclose on my home I have a lot of equity in it. I have never had a mortgage company take my payments to pay what should be paid out of escrow. Then do not show I made a payment. I think they think I am to dumb to notice what they are doing. I went to XXXX out of high school. That was what I wanted to do I liked being and helping people. I got alone with everyone. But, it was not the money I wanted so I started XXXX. Still not the money I wanted. I started XXXX that was much better money. But, still not what I wanted so I XXXX. I had finally got what I wanted. XXXX. I always worked as hard as I could. When I was XXXX I worked everyday day light to dark. I wanted to be able to stop working while I was young enough to enjoy life. As I was XXXX I met this man I thought I knew. But, I did n't he just wanted what I had worked my whole life for. XXXX. XXXX. that is why I am XXXX now. all my hard work my whole life gone. now I have to deal with a mortgage company that is not acting right. please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have a few not authorized or fraudulent inquiries on my EQUIFAX credit report. I have tried on many occasions to have the inquiries investigated and removed online and in less than 30 minutes get the response from Equifax that they have investigated the fraudulent and or not authorized inquiries and that they will remain because they are true record. I happen to call EQUIFAX on XXXX XXXX, 2016 and explained my situation to a Customer Service Rep ( CSR ) Named XXXX. She claimed that EQUIFAX do not dispute inquiries at all and that I should call the bank that placed the inquiry to have them remove it. I explained to XXXX that I had already called the bank and that they no longer had the account application and that I needed to file a dispute with EQUIFAX. XXXX CSR then called a supervisor named XXXX to try to help. After explaining the situation to the supervisor she said she could n't help me in disputing the inquiries because EQUIFAX new policy is to not dispute inquiries. So i explained to XXXX how does EQUIFAX protect the consumer from fraudulent inquiries. She then stated that I can put a Fraud alert on my file, but in my case how did she know that I am just calling in to try to remove inquiries I had placed on my own file as being fraudulent, implying that I was applying for credit and then calling EQUIFAX to have them disputed. At that point i decided to end the call and file a complaint with CFPB for further assistance. Attached is a pdf of most recent credit report from all XXXX credit bureaus showing the inquiries listed. The ones circled in red are the inquiries I am disputing as being fraudulent and not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collection company has been illegally reporting an incorrect " date opened '' as per the FCRA 623 ( a ) ( 5 ) ( A ). I have disputed this account multiple times electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (MD).
Issue: Managing the loan or lease

Complaint: For some unknown reason, Toyota Financial services canceled my online payment account. They were never able to explain why, but admitted it was their fault. I had been making online payments for years, but suddenly, I could n't, and was told that I could not reopen the account. This was in XX/XX/2016. One agent told me I could pay over the phone, using XXXX XXXX. I did. The same happened for XX/XX/XXXX : I paid over the phone. In XX/XX/XXXX, I took the time to try to get to the bottom of the problem because it was inconvenient. I was told I had XXXX accounts. I spoke to many representatives, often being on hold for long periods of time, only to be disconnected and have to tell this rather involved account all over. 
I found out that the payments I made over the phone had disappeared, and no one could tell me what happened. They informed me that I would have to go to my bank and get a merchant report to show that the money was indeed taken out, something my credit union never heard of. I spent countless hours on the phone and running around. I was told that because it was their fault, it had not been reported to a credit agency. I found out yesterday that it had. Even though they finally sent letters saying it was resolved, it has not been. Just yesterday, I was told that my account was past due again. It was n't and had not been. 
I was harassed on my job and tried to clear it up, but soon after that lengthy call, another representative called me at work to tell me my car was about to be repossessed. Each time that a representative could see from the account that I was indeed telling the truth, I was told that it had not been reported to a credit agency, but that was a lie. I have all of my receipts that demonstrate when the payments were made.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed bankcruptcy XX/XX/XXXX. It was discharged XX/XX/XXXX. I had a loan modification done with my previous loan servicer before they sell the loan to Ocwen loan and it was approved by the backcruptsy court. Now the new servicer Owen loan is not enforcing the loan modification as they are claiming post-petition arrears even all my payments have made timely. They were claiming my 3 months trial payments were not received as well as the signed modification documents. I have sent all the documents and my payments were all went to the bankcruptsy trustees. Now they are claiming that I owe them {$66.00}, XXXX as a post petition interest. I total disagree and this is just plain wrong doing. I am OK for you to share this letter with other people as it maybe happening this problem to others.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Vehicle loan or lease (Loan) with Byrider Franchising, LLC (MO).
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint: well its a long story but apparently the got the documents showing we were filing for chapter XXXX with affirmation of vehicles and they came and took the car husband went after them all the way to XXXX ar and they wouldnt let him get his things or anything and making him pay to get it out and wont let him and wont work with us jd byrider XXXX ar XXXX XXXX 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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm writing this grievance in regards to Barclay Bank XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and Barclay through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. Barclay has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
Thank you

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 07-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX continues to report that I owe them money. I have called, and emailed them to no avail. They took the money years ago on a treasury off set, deducted from my tax return.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I bought a water softener for our new home and financed it. I paid off the loan within the first month. XXXX of the credit agencies is still showing the total amount due and has me at a lower score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Medical Data Systems, Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have repeatedly disputed the accounts with ALL the of the major credit bureaus stating I do not owe MEDICAL DATA SYSTEMS INC. The credit bureaus all come back stating the information has been verified. MEDICAL DATA SYSTEMS INC has been paid to the original creditor by my insurance company before any collections. MEDICAL DATA SYSTEMS INC Is reporting to unpaid accounts on all my credit reports that are incorrect.

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 04/21/2015 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I 'm still in school getting ready to do XXXX ca n't find a job anywhere. I 'm getting harassing phone calls I have told them I do n't have an job but they do n't care. I attend the University XXXX XXXX XXXX XXXX XXXX XXXX dad has lost his job 18 years his department has downsize he 's XXXX years old his lost everything house in foreclosure, car been reported, he just got out of the hospital XXXX. He 's was going to help me pay loan back but he ca n't find work because of his age.If anything happens to him I could n't bury him.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax received my official letter via certified mail tracking number XXXX delivered XX/XX/XXXX at XXXX XXXX. Specifically, it was a request to remove the " extended fraud alert '' and also remove " file blocked for promotional purposes ''. I also included the front/back of my drivers license and front/back of social security card. I do not want my information to " get lost in the shuffle '', especially, with new credit reporting laws that took place in XX/XX/XXXX,  meaning the credit reporting repositories are inundated with updates.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have state tax lien that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Credit card protection / Debt protection

Complaint: I purchased on my Chase Visa card an unlimited private plane package from a company called XXXX. When I tried to make my first booking I was unable to get confirmation numbers. After repeated calls and emails to XXXX over the next 3 weeks, I emailed them as well as sent them a certified letter cancelling the service. This was due to the fact that they were unable to provide the service. I then disputed the charge with my credit card company Chase. I was denied, the reason being the item I purchased was non refundable. 
I then refiled with Chase private banking directly, stating the company was a fraud, had never provided service, so the dispute was for lack of service or services never received. Visa / Chase answer was denied to to Billing error, which was never my dispute. Chase said they would look into it. They then said the issue was, Visa made the determination and my dispute was with Visa. By this time I was proven correct when XXXX ceased operations and closed its doors. They just took the money and ran.. They took Millions of dollars and there is no government oversight or arrest being made to a company that steals people 's money and runs away.. 
I am out {$15000.00} plus accruing monthly interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Have called my personal cell several times a day from different numbers. Called my job back to back everyday. My manager has told them several time to please stop calling as it a XXXX XXXX and they would turn around and call right back a minute later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO).
Issue: Other transaction problem

Complaint: I had send money via MoneyGram to someone. The time of completion of request on the receipt was XXXX on X/X/15. I called the company at XXXX on same day to cancel and get a full refund. I was on hold for 2-3 minutes. The phone rep came on line and it took him another 10 minutes to process the refund.
I picked up my funds minus the fee of {$11.00} the next day.
I have since then called the company and per the manager, I should not be getting the fee back because the transaction completion went over 30 minutes.
Note : With his poor comprehension skills, it was very difficult for him to even state this statement to me, but this is the best I could make out of his words he was throughing at me!
I found it very thought to explain to the non native speaker of English on the phone that I had initiated the refund call within 30 minutes and that should be looked at and not the time it took for the phone rep ( another person who could barely speak English ) to process the refund completely.
It appears the manager was not even aware of the 30 minute refund policy on back of the re riot.
FYI- Please note that before speaking with the manager I was initially speaking to another phone rep who told me that I should not be getting the fee back as I called 2 days after the event.
This is not true as there is no statement on the receipt that tells you to call back within one day for any dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit card () with AMERICAN EXPRESS COMPANY (AK).
Issue: Billing statement

Complaint: My wife pays our bills via computer and yet credit card company 's refuse to mail paper statements so we can pay promptly. She tried the online systems and they do not work for her, hence paper statement is needed to prepare checks for mailing to assure payments are made. American Express refuses to provide United States representatives to discuss our financial matters and we do not have to use foreign personnel placing our right to financial privacy at risk as an Alaska resident. My wife spoke with XXXX, American Express Executive Customer Care, ( attached ) who reassurred statments were to be sent to our home address in XXXX AK. She received a notice on XX/XX/2017 noting payment was due on XX/XX/XXXX, and yet no statement since her conversation on XX/XX/2017 and still no statement. She can not log onto American express due to faulty programing that will not allow her to retain password and use her adaptive technology. I/we are tired of being charged late fees, having past due notices placed in XXXX, XXXX and XXXX because they refuse to send us statements. Can you assist with this matter. 
we do not dispute owing our accounts we dispute being charged late fees and maximum interest and having negative marks on our credit files because they refuse to mail statements. This will have to be discussed with my wife via email XXXX as I am away at work during normal business hours M-F. No more phone conversations only email will suffice or written documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/18/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio collection agency started contacted m e in 2015 from a   XXXX   XXXX   I had at one point. The original creditor and this agency is trying to collect on the same debt. It is reporting to all   XXXX   bureaus in the amount of {$620.00}. I do not owe this company, and have no idea who they are. I asked for validation and not verification of this alleged debt. I have no contract with this company and do not owe them. The bureaus have failed to validate any info that I asked for.

Company response to consumer: Closed with explanation