milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (DC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: As suspected US Bank has overcharged me on fees across all three credit cards I had with them. They sent the attached letter over a month ago but havent returned the money I am owed. 
Please have them refund all fees from all XXXX credit cards I had with them Thanks

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 12-09-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (AL).
Issue: Loan modification,collection,foreclosure

Complaint: This my second complaint concerning Caliber Home Loans. Hopefully this complaint is premature, but I am sending it anyway. 
Briefly, I submitted a Loan Modification Application in XXXX, XXXX. Due to delayed written correspondence, the need to repeatedly re-submit previous documentation or submit updated/new documentation, and conflicting instructions and info, I had to file a new loan modification application on XXXX XXXX, XXXX, reciept of which which was verified by XXXX # XXXX. He indicated I would have a decision on XXXX XXXX, XXXX. My last conversation with Caliber occurred on XXXX XXXX, XXXX, when I spoke to XXXX, # XXXX. She indicated that no more documents were necessary and that I would have a decision on my new application on XXXX XXXX, XXXX. At to time has anyone indicated that the decision date of XXXX XXXX, XXXX was tentative. 
Today I call Caliber at approximately XXXX and spoke to XXXX XXXX? XXXX # XXXX, who advised that the application was still " in process '' and that there might be a decision today or a " it might take a little longer ''. I asked how much longer and he did not know. He said that that my application was received on XXXX XXXX, and that it usually takes XXXX weeks for a decision. I explained that no, I had been informed that my package was received on XXXX XXXX, XXXX ( it was submitted via email and I have a verification of receipt ). XXXX said he did not see that noted on my file, and offered no explanation of the discrepancy. He also stated that a decision might take longer because we are in bankruptcy. No one has indicated this to me in the past. 
We have lived here since XXXX, and want to continue to do so. It is our HOME. But due to my husband XXXX, our income has been reduced drastically for the last XXXX4 years and it is very difficult to make our mortgage payments in a timely manner. We filed Chapt. XXXX bankruptcy, trying to keep our home. We desperately need help, and thus my applying for a mortgage modification. 
My experience with Caliber has been the most frustrating experience in my life. Applicants can not speak to the underwriters directly. All information must be obtain through a Single Point of Contact ( SPOC ) person, who changes from call to call. Information is provided by them, then changes with no explanation, just excuses, if the discrepancy/change is even acknowledged by the SPOC. Correspondence from Caliber is still taking XXXXXXXX days from the date of the correspondence to the date it is received. 
I have diligently tried to correctly, and in a timely manner, do as Caliber has asked. In exchange, I have been given at the very least, misleading information time after time, and Caliber has not done as they said they would do. 
Due to our bankruptcy, foreclosure is not imminent, but once the bankruptcy is discharged, it is a very good possibility, if Caliber is unwilling to approve my application for modification. 
( Initial case CFPB case no : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Citifinancial has not giving me credit for XXXX XXXX payment ; check # XXXX It was sent XXXX XXXX via certified mail # XXXX XXXX XXXX XXXX XXXX which shows that it was delivered by U.S Postal Service. It was sent along with check # XXXX which shows it was cashed by Citifinancial for XXXX, XXXX payment. Both payments were for the amount of {$550.00}. Also I included another check # XXXX for the amount of {$500.00} for partial payment of XXXX property taxes which has not been cashed by Citifinancial. There is also wrong information about the date a will finish paying my loan. I have not asked for a deferred payment plant since the beginning of my loan. Thus, I do not understand why Citifinancial is showing the last payment of my loan to be 6 month after the actual date it shows as the last date to be paid off. Also Citifinancial agreed to change the interest rate if I paid the first two years on time. Citifinancial did not honor the agreement. Enclosed documentations supporting my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (RI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I signed up with student loan relief to reduce my student loan payment and I have been paying {$46.00} a month for a very long time. I was told that {$10.00} a month would be going towards my principal and the rest was the fee to pay the company for the service. I believe that they altered my information with the federal loan servicing. I was not aware that nothing was being paid and now my loan is in collections. I was never contacted because my personal information was changed somehow. I had no idea my loan was in default. Every month, the money was taken from my account. I was a victim to their scam. I want others to be aware that student loan relief is not legit. I have tried to call this company several times, with no response. I am always told, no one is available.

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 08-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On Saturday, XX/XX/XXXX I made a deposit to my Corporate Chase Checking account for XXXX at a Chase branch in XXXX XXXX, Ca. The bank made {$5000.00} of the deposit available and put a hold on the remaining balance until XX/XX/XXXX. The teller told me that the hold could be released if the funds are available and the check is cleared by the other party 's bank. On Tuesday XX/XX/XXXX the check was cleared by XXXX XXXX XXXX, the other party 's bank. I called Chase bank manager and had her verify that the funds are available but Chase still would not release the hold on the funds deposited to my bank. I have had this checking account since XX/XX/XXXX with no NSF. There is no reason for Chase to hold on to my funds. If as a consumer I went over my bank balance Chase would charge me overdraft fee for using their funds but I am not given the same protection when it comes to banks holding to funds that are mine. This is illegal and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Mortgage (Other mortgage) with Selene Finance LP (TX).
Issue: Loan modification,collection,foreclosure

Complaint: For over 18 months I have been submitting documents to Selene to get assistance with my home mortgage. They do not notify me of any missing documents they might need, nor will they tell me why they continue to not assist me. They call XXXX and XXXX times a day and are very threatening. They refuse to take any payment since XXXX 2016, saying that I had to pay the full amount due or they would foreclose immediately. This past XXXX ( after at least XXXX written applications/requests for a loan modification for my home ) they finally carried thru with their threat. For the next 2 months they harassed and harassed me with numerous calls and messages each day and they refused to negotiate and only wanted the full amount due ( approx. {$14000.00} ). Finally with no option left, I filed CH XXXX bankruptcy. During the next 30 days I again, called Selene to see what I could do to keep my home. They said there was nothing that could be done, except to stay current and let the Bankruptcy proceed. In middle XXXX I had my case dismissed without prejudice due to my circumstances. Since then Selene is back to harassing me and giving me false hope and information. Last week, XXXX I re filed an application for Loan modification, as once again my house is in foreclosure. I have repeatedly asked for a different contact person as the one I have XXXX is abusive and is very prejudiced against me. Selene does not follow the FTC or CFPB guidelines and continues to be harassing and threatening. In XXXX they did not send me any notice that my house was in foreclosure, and as of today I have not receiveed anything for the current status. I need your help. 
My income dropped, it was XXXX and now only XXXX. I am the only provider and I need to keep my house. The deny my requests saying I can afford to pay the arrears within 3 months, but I can not afford to make my payments. 

Please investigate this company, as they continue to break FTC and CFPB guidelines regarding collection practices. They follow no guidelines but their own. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: On XXXX XXXX, I received a note on my front door by a Company identified as XXXX. The note said that they had identified my home as being abandoned even though I live there with my XXXX year old girl. The house has been foreclosed on and a Sheriff 's sale date is set for XXXX, XXXX, 2015. I immediately contacted XXXX and told them my home was not abandoned and they told me to contact the servicer who is Nationstar home Mortgage. I contacted Nationstar via email on XXXX XXXX via email and told them my home was not abandoned and to please not send anybody on to my property until the house was legally theirs. On XXXX XXXX, my daughter heard somebody trying to open the front door while I was in the kitchen making her lunch. I looked out the window and saw a gentleman walking around to the back of my house and began entering the back door. I stopped him in his tracks and he told me that he had permission from Nationstar to enter my home and that it was abandoned and that the locks had been changed. He showed me a set of keys that allegedly belonged to the " changed '' locks on my door. My house was not abandoned and Nationstar was notified 2 weeks prior. I have confirmation emails stating that they were told this. This is harassment and now my daughter is afraid to be in our home and I am afraid to leave my house. The man who attempted to enter my home was named XXXX XXXX and he works for XXXX in XXXX, WI. His phone number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NATIONSTAR MORTGAGE (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This isnt my debt

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (UT).
Issue: Fraud or scam

Complaint: I received a phone call from the " FBI '' ( hackers must 've changed their caller id because the phone number they called from matched my local FBI office XXXX. They knew my name, had all my information such as address, school, school email, phone number, etc. They stated that a federal complaint had been filed against me, etc. Used a lot of legal terms, basically stated I had failed to pay {$1800.00} for an education tax. Told me that the case was on its way to court, I had an arrest warrant out for me, cops would show up to my door if I failed to comply with their orders. Since I did not have {$1800.00}, they said I could pay whatever I have and do the rest in monthly installments. 

In a state of panic and having been uneducated about how fraud and scammers work, I listened them and drove to my nearby Walmart to wire {$900.00} over to them using Moneygram to somebody named XXXX XXXX in FLORIDA. 

They then had me email a picture of the receipt with reference number, my license, and a picture of myself to XXXXXXXXXXXX. 

By the time I had realized I was being scammed, it had been already too late. I hung up and proceeded to call my family member. They continued calling me back ( I assume to try and get my bank information so I could do monthly installments ). After I blocked the number, they proceeded calling through an " Unknown '' number and left me many voicemails, all of which were just silent noise. 

The caller was male, around 20-30 years old, and had an XXXX accent. He uses a lot of legal-sounding terms and speaks very seriously. He tries to stay on the line with you the whole time and guides you through the whole process. 

I have reported this to my local police office, case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am applying for a mortgage and was getting a pre approval when my loan officer told me I had a collections debt from XXXX still on my credit report from 2010. First of all, that debt was my father 's not mine but they attached it to my name and it affected my credit in XXXX when I was applying for a mortgage the first time. I went with my father personally to the place and paid that debt for him in order to get it taken off of my credit history. Now again, it 's still on my history after settling and paying the debt of {$2200.00}. I need to get this removed because it is lowering my credit score. I have to paperwork dated XXXX XXXX 2010 to prove it. There is also a pending class action law suit vs. XXXX collections agency that I an a part of. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IL).
Issue: Managing the loan or lease

Complaint: I filed a complaint with CFPB and the response did not address my issue. I have sent several emails to  XXXX   XXXX  regarding my missing payment from  XXXX   XXXX . I have sent over a copy of my bank statement confirming that the payment was received b y GM Financial. M y final payment should have been in  XXXX   XXXX , but I am still showing a balance of roughly {$1100.00}, which are late fees from the payment that they claim is missing. This payment is not missing ; it was received and processed by  GM Financial o n  XXXX   XXXX ,  XXXX  according to my bank statement. The responses that I am getting from  XXXX   XXXX  have been lies ; she never had a manager reach out to me to discuss this further. The remaining amount due needs to be adjusted to reflect the fact t hat I NE VER missed a payment on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Someone keeps applying for car loans in my name which has destroyed my credit. I have filed a police report and I have asked the credit bureau to delete all of these inquiries from my report. I havent applied for anything in almost 2 years besides my bank accounts and 2 credit cards. It is against the law to have inaccurate and unauthorized items on my report and I can file a lawsuit if not corrected. Please, PLEASE remove promply this should not take 30 days to correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: in XX/XX/XXXX I Financed a car thru XXXX XXXX XXXX, and I also got GAP insurance. Around XX/XX/XXXX the I was in a car accident and the car was totally. So I called my insurance company and my Gap insurance to file a claim. And for GAP insurance to Process your claim you must be up-to-date on your payment. so my GAP insurance paid the car off. But American credit acceptance informed the creditbureau it was a Delinquent account and it also charge off, but update it to paid charge off. They also wont do real Investigation.  They sent me my payment history. No notification on how they perform the investigacion or the outcome. And they Refused to investigate the matter. I received a letter from them in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Stating that they would not investigate when they did not do one. And the Information reported to the credit reporting agencies is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (I do not know) with Premier Recovery Group (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received numerous phone calls for a fraudulent payday loan and have called my employer, my home and in laws. I have told the company this is in error and they have threatened to take me to court etc. please address this situation. The phone number they call from is XXXX and they said they are from the XXXX

Company response to consumer: Closed
Consumer complaint received 01/19/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX - {$170.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have previously submitted a complaint and Wells fargo has done nothing to resolve it. Time and time again I try to ask questions of clarification about documents they need and they are either totally unresponsive or tell me they can only talk to my realtor. I have been dealing with this for six months now. I have had an offer on the home and I have been proactive and they are anything but. My SPOC will call me with an update that is basically, " there is no update. '' ALl they did with my last complaint was to send me proof that they gave me information about the short sale process. They did not do anything to indicate that they are actually trying to resolve the issue.

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 01/14/2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing received my mortgage payment on XXXX/XXXX/2016 & recorded it into my mortgage history AND then returned said payment to my bank account recording my payment as late. 

I contacted Ocwen who said they would not provide me with a reason for my payments return and now that they recorded my mortgage as late after receiving said payment I want evidence they were at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Synovus Bank (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I opened an unsecured line of credit with Synovus Bank back in XX/XX/XXXX which converted to an installment loan on XX/XX/XXXX with a {$43000.00} balance with a {$770.00} monthly payment which I was more than happy to pay for moving forward. 

I was then sued for non compete from my former employer and lost in arbitration for a large amount and was forced to file Chapter XXXX Bankruptcy in XX/XX/XXXX This account was included in the Chapter XXXX BK and was to be closed, charged off and only collect interest. The Chapter XXXX BK was canceled in XX/XX/XXXX and I have made attempts to settle this debt with a repayment arrangement agreement. 

This account is still open and is a rolling 150+ days late on my credit report which I have asked them to charge off and close the account many times. This account is ruining any chance of restoring my credit and they will not accept a repayment schedule I also asked that they stop charging daily interest and monthly penalties since the current balance is now up to {$50000.00} which is ridiculous since the account should be closed

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Payday loan) with Credit Central Holdings, LLC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has continuously called me during work hours and I am a teacher. This company has also disclosed my bill information to family members without me giving consent to disclose this information. My family members have expressed that company have continuously called and asked about my bill to them while they were paying their bills. This company is Credit Central of XXXX, Alabama. This company is by far the worst company that has ever receive my business.

Company response to consumer: Closed with explanation