milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a negative experience with Caliber Home Loans. I first received a notice of delinquency from the County Assessors office in XXXX XXXX, indicating that my property taxes had not been paid for the XXXX property tax year. I contacted the lender several times, and was unable to get a clear answer on the situation. I was assured multiple times that they would be handling the issue, and paying the taxes, and that I would not be responsible for any late fees, and penalties as a result of this situation. 
In XXXX XXXX, I received a certificate of redemption from the tax collectors office, stating that my taxes had finally been paid. However, after receiving the Annual Escrow Account Disclosure from Caliber Home Loans, I realized that they had paid the XXXX taxes, in addition to the late penalties, from my escrow account. I am not responsible for any late penalties accrued, due to late payment of the XXXX property taxes. I contacted Caliber Home Loans to let them know that they had erroneously withdrawn late penalties from my escrow account, and that I should not have been responsible for their mishandling of my account. In discussion with customer service, and after their refusal to allow me to speak to a customer service supervisor, I was told that the reason the taxes were not paid was due to the false allegation, that I had supposedly given them the wrong lot number for my property. Caliber Home Loans acquired my loan from XXXX in XXXX of XXXX. Caliber Home Loans paid the XXXX taxes upon receiving my loan, without issue. All the necessary information pertaining to my property is on the trust deed, which they 've had since acquiring my loan from XXXX. 

In addition, as a result of their mishandling of my escrow account, the new Annual Escrow Account Disclosure statement activity for the next 12 month cycle indicates an unrealistic shortage amount, which is not in accordance with RESPA recommendations.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: in XXXX of this year, I have a copy of a letter from XXXX XXXX addressed to Transunion that they requested the removal of incorrect/fraudulent applications that were made in my name for credit/store cards with the following, XXXX, XXXX, XXXX. I have today obtained an updated copy of my credit report dated X/XX/2017 from XXXX creditwise services to find that despite, me informing Transunion that I was a victim of fraud and that various attempts to apply for credit in my name was fraudulent. As of todays date Transunion still hold these searches on my report, which reflect negatively on my report. Transunion were already contacted in May! so almost 3 months ago from XXXX XXXX to say that they have requested transunion remove these searches from my credit file. Today my transunion report reads XXXX XXXX 2017 applied for a credit card with XXXX/XXXX XXXX XXXX applied for a credit card with XXXX/XXXX XXXX XXXX applied for a credit card with XXXX/XXXX WHY are this incorrect information STILL on my credit report?????!!! They were informed by me and by the bank they was fraudulent. Yet this incompetent company still holds incorrect information regarding me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Omega RMS, LLC (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I submitted a complaint to CFPB ( complaint : XXXX ). That complain has since been closed, however the information I requested in feedback has not been provided by the company, Omega RMS. The company responded to the complaint and I provided feedback. In my feedback I requested proof of the information in the company 's response but have not been provided that information. 

I am disputing the " placed for collection date '' as well as the " client date last paid '' that is being reported to the credit bureau by Omega RMS. 

According to the information I received from the original creditor, XXXX, and the last payment was made XX/XX/XXXX. I have requested multiple times for all information from Omega RMS including proof of the last payment and that information has not been provided. I have only been provided the information that was attached in the initial complaint. Furthermore, the " placed for collection '' date is incorrect. Per the original creditor, XXXX, the placed for collection date is XX/XX/XXXX. Omega RMS is reporting XX/XX/XXXX as the placed for collection date which is not accurate. 

The original creditor, XXXX, also confirmed the account was charged off XX/XX/XXXX. Omega RMS in their response to the initial complaint stated they are collecting on behalf of XXXX XXXX, however the account had been charged off by the original creditor and they are no longer pursuing collection on this account. Omega RMS is attempting to collect on a debt that they purchased ( XX/XX/XXXX XXXX from a 2nd party collection agency ( XXXX ) that is no longer in business and also not pursuing collection on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due  XX/XX/XXXX , 30 days  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , 60 days  XX/XX/XXXX , 90 days  XX/XX/XXXX , 120 days  XX/XX/XXXX  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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: To whom i t may c oncern, I submitted an online dispute with Experian concerning inaccurate information on my credit report on my  XXXX   XXXX   XXXX  account for late payment. They originally responded back stating the information was verified. I called Experian stating I have receipts and for them to update the incorrect information and they requested I upload the documentation. After I upload the documentation, they replied back stating they reviewed the documentation can not use to make changes. I plan to purchase a home this year and having this inaccurate information on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 03/14/2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XX/XX/XXXX I sent Experian certified letter asking them to investigate a credit item on my credit report. The item in question is an account from XXXX being reported on my file. What I asked Experian to investigate was the fact that the account was too old and obsolete to still be reported on my credit report based on the Fair Credit Reporting Act. I also included a copy of my Experian credit report from XX/XX/XXXX showing that this item was scheduled to be removed from my report on XX/XX/XXXX. On XXXX I got a letter from Experian telling me that they will not reinvestigate this item and that they already verified the information. I never asked them to investigate the age of this account before, so this is a different dispute. I feel like they never even read my letter and looked at the information I sent them. Based on FCRA and the evidence from my older Experian credit report this item needs to be investigated and removed.

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 12/27/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MI).
Issue: Charged fees or interest you didn't expect

Complaint: I KEPT RECEIVING LETTERS FROM THIS COMPANY BY POSTAL MAIL.,, IN THE SUMMER MONTHS AN INTO THE FALL .. SO IN XXXX I HAD A REALLY BAD BASEMENT ISSUE WITH FLOODING AN NEEDED SOME CASH TO FIX THE PROBLEM .. SO I KEPT GETTING LETTER SAYING I WAS PRE -APPROVED FOR XXXX SO I APPLIED ON LINE THEN SOME ONE CALLED ME IN READING THE TERMS I FOUND THAT I ONLY BORROWED XXXX BUT AFTER THE MONEY WAS DEPOSITED INTO MY BANK ACCOUNT I PRINTED OUT ALL THE LOAN INFORMATION AN FOUND THAT THEY WANT ME TO PAY XXXX A MONTH UNTIL XXXX XXXX SO I PAID THE FIRST XXXX IN XXXX XXXX XXXX SO I LOOKED I SAW THEY WANTED THIS AMOUNT EVERY MONTH UNTIL XXXX XXXX SO IN XXXX I CALLED THEM TO ASK COULD I LOWER MY PAYMENT I AM XXXX AN XXXX AN I WANTED TO STOP THE AUTO PAYMENT AN THAT I WAS ON A FIXED INCOME AN HAD NO IDEA I WOULD BE PAYING BACK XXXX AN I I GOT WAS XXXX SO I TRIED TO GET THE PAYMENT DATE CHANGED AN PAYMENTS LOWERED I JUST SENT THEM XXXX AN THEY CHARGED MY BANK A INTERNATIONAL FEE OF XXXX FOR PAYING MY BILL NEVER TOLD ME THAT I WAS OVER DRAFTED WITH MY BANK SO I TOLD THEM I WAS FILING A COMPLAINT WITH ALL THE AGENCIES IN MICHIGAN IN MY STATE THIS IS CRIMINAL,. WHEN I ONLY GOT XXXX AN WAS PREPARE TO PAY 3 OR 4 PAYMENTS OF THE XXXX TO GIVE THEM BACK THERE XXXX THEY TOLD ME I COULD NOT GET THE PAYMENT LOWERED I WOULD HAVE TO PAY THE WHOLE LOAN BACK OF XXXX WHEN I ONLY GOT XXXX OR I HAVE TO PAY UNTIL XXXX XXXX XXXX THIS IS CRIMINAL AN UNFAIR LEADING PRACTICES AN THEY DONT TELL U THE ARE NOT IN THIS COUNTRY, ,THEY ARE CHARGING U ANOTHER FEE JUST TO PAY UR BILL WITH THEM.. A INTERNATIONAL FEE..OVER XXXX I WAS CHARGE THE XXXX I PAID THEM AN A INTERNATIONAL FEE OF XXXX .. I HAD NO IDEA THIS WAS A PREDATORY XXXX COMPANY I WAS REALLY IN NEED OF A HOME REPAIR AN I HAD NO IDEA THIS WOULD BE HAPPENING TO ME I CAN NOT AFFORD XXXX A MONTH FOR 12 MONTHS,, AN PAYING XXXX FOR XXXX I THOUGHT THREE PAYMENTS OF XXXX WOULD HAVE BEEN MORE THAN ENOUGH TO PAY THEM BACK AFTER I PAID THE XXXX ON XXXX I TRIED TALKING TO A SUPERVISOR AN TRIED TO MAKE OTHER PAYMENT ARRANGEMENTS THEY TOLD ME NO.. SO I AM FILING COMPLAINT WITH BBB CONSUMER AFFAIRS AN THE ATTORNEY GENERAL OFFICE AN THE LICENSE AN REGULATION BUREAU IN MY STATE,, I CAN NOT PAY MY OTHER BILLS FOR TRYING TO PAY BACK A XXXX LOAN OVER XXXX FOR 12 MONTHS THANK XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX has lied to many times. Most recently XXXX XXXX on a recorded line where they say their was an error on my report and they would be removing all the negative items. They will now not give me a a copy of that recording. It happened from XX/XX/XXXX to XX/XX/XXXX i purposely made them record that line. They have said it numerous times before as well. They have caused me to lose hours and hours of work plus made my home loan get denied. They are committing fraud. I want this removed asap and also compenstated for my lose of my home loan and also the numerous hours. I have been battling this for 3 years now.see attaced letter where they even state this account should not be reported as it is a business account get a copy of those recordings and the rep and supervisor both agree that the account negative reporting should be removed as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted Transunion to clear up a record regarding a settled debt, and received a message saying it would have to be " manually processed. '' I did not hear from them after two months. 

Here is the background settled a debt with XXXX XXXX XXXX XXXX XXXX. At the time of settlement they created a new account number for the debt, stating in their letter that it was for internal purposes only. After settling the debt it still shows up on my credit report as " charged off '' rather than " settled. '' In my understanding this single debt ( regardless of if it is tracked under XXXX account numbers ) must be listed as " settled '' or " legally paid in full for less than the full amount '' to be fully FCRA compliant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2017 and I am writing to get this remark retracted. I believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time or to my address.

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 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANCO POPULAR DE PUERTO RICO (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I opened a Banco Popular sponsored credit card offering 65,000 miles to XXXX XXXX after paying a {$140.00} fee and making an initial purchase. 

The card was opened on XXXX XXXX XXXX and I spent around {$900.00} plus they deducted the {$140.00} annual fee immediately. I made my payments on time and did n't use the card since. The spending commitment was made on time. 

After not receiving the points by XXXX XXXX, I called Banco Popular at the number on the back of the card ( XXXX XXXX XXXX. I was informed that the points will show up in the avianca lifeMiles matter of weeks. 

After not receiving any points as of XXXX XXXX, XXXX I called Banco Popular and spent appx 40 minutes being passed around with only, this is the wrong department, your account has been closed. 

I checked with XXXX XXXX and saw that Banco Popular closed my account in late XXXX XXXX. I received no refund on the {$140.00} annual fee, and was not informed that the card was cancelled in any way ( such as a letter informing me XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/16/2018 about Debt collection (Medical debt) with AMCOL Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a request for debt validation by certified mail on XX/XX/17 and requested, to AMCOL Systems Inc. 1. Agreement with your client that authorizes you to collect on this alleged debt. 
2. Agreement that bears signature of the alleged debtor wherein he promises to pay creditor. 
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
The company failed to respond to my debt validation request, therefore essentially admitting that the debt in question is inaccurate. Per Texas Finance Code 392.202 ( b ) ( 2 ) this requirement states that the trade line must be deleted from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I made several attempts to correct this matter with XXXX. I called and wrote email. I was told on several occasions that XXXX do n't make adjustment customer bills. The service was not working but I was still billed. I was charged for equipment that I had returned. I wrote several letter to corporate and never received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a few incorrect info on my credit report that needs to be corrected

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concernI am having an issue with my mortgage company M & T Bank. I have had some family issues that involve my some medically that made us have to pull him out of daycare. My son now XXXX care of our XXXX sons. Now this has made us loose an income. So we have started a loan modification with M & T Bank. Here is where the problems start. The bank approved us for a loan modification. We had agreed on a price and I am already began paying the agreed to price. Now M & T Bank is telling me that there is a lien on the title and they can not do the loan modification. This so called lean they are saying was put on the title back in 2008. I did not even own any property back in 2008. I did have a judgment on me back in 2008 and a bankruptcy that followed that. I had the bankruptcy discharged in XXXX of 2008. Now M & T wants me to take care of this before they can move forward. This is just not possible. The judgment was part of the bankruptcy and is non collectable. After trying to go to the court house both the XXXX XXXX and bankruptcy courthouse there is nothing to be done on the case. I have already sent the final decree and the list of creditors that was on the bankruptcy to the mortgage company. I even went so far as to try and contact the original creditor that filed the judgment ( XXXX XXXX XXXX ). That resulted in a run around. XXXX XXXX XXXX said that the case was closed and is showing that it was involved in the bankruptcy. Furthermore the case was not even in their files any more. The number on the judgment for the attorney does not even have that file anymore. So after all that I spoke to an attorney who stated that the only thing I need to provide M & T Bank is a copy of the petition and the final decree and talk to M & T Bank and ask to speak to a supervisor on who is reporting that there is a lien on the title. Well that also is not being furnished to me by M & T bank. The supervisor I spoke with told me it is a M & T supplied title company and they can not tell me who it is. M & T has been very frustrating in giving me information and also asking me to do an impossible task. Even if I had the XXXX dollars to pay this lien off its uncollectable and no one even has the case. Furthermore the attorney that I consulted with told me I do not need to hire an attorney that they get this all the time with title companies. That they do n't understand that a lien that was discharged in a bankruptcy can not be put on a title on a primary residence that was purchased at a later date as M & T Bank is saying that this is what happened. There is no way that a lien can be on the property from 2008 that I did not own until 2 and half years ago. Anyway I can not be the only person that this has happened to and being denied for a modification because of a personal non collectable judgment that is out in the county clerk.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: PayPal signed me up for a credit card without my consent and then charged me {$45.00} dollars fee on XX/XX/XXXX. I did n't know my rights, so after paying I contacted customer service to dispute this charges and I was told that there was nothing they could do because I have already paid. It is now XX/XX/XXXX and now I received a letter from PayPal stating that I owe them {$10.00}. When I call the XXXX hot line I was asked how I was going to pay the {$10.00}. So I asked them what is this fees for. I told them that I have asked them to close my account which they did. I asked the representative to explain the charges since I had already paid the balance plus late fees even though it was something I did n't authorized. She put me on hold and after 6 minutes of waiting on hold she apologized and informed me that they have made a mistake. The {$10.00} fees were charges of {$2.00} for each month for the last 5 months on a XXXX balance account that was closed. I told her that I was going to put a complain because I am sure that this has happened to many people out there. This seems to be a very successful scam that PayPal is running.

Company response to consumer: Closed with explanation