milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2015 about Mortgage (VA mortgage) with PHH Mortgage Services Corporation (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Purchased home XXXX 2013 using XXXX, Coldwell Banker Mortgage and Coldwell Banker Title Co. One year later find out that they did my tax escrow at {$2400.00} when in fact my property tax are {$5500.00} per yr. I was told that for the next year my payment would go up {$400.00} per month and that for the next 28 years my payment would go up {$200.00} per month, a {$66000.00} mistake made by Coldwell Banker that I suffer for. I contacted Coldwell Banker to try to refi at the present interest rate which would of made my mortgage payment using the correct tax amount, with in {$20.00} of my true payment. They would not refi but told me to contact there mortgage modification. The modification dept. said they could not talk to me until I was 90days pass due. I stopped making payments and then contacted them again with no results. They would not redo my loan but could work my pass payments into a repayment plan along with my new tax problem. My payment then for the next 9 months would go up {$1000.00} per month. This company has destroyed my life, I now have bad credit, losing my home and for the XXXX time in my life have to file for bankruptcy. I am a XXXX XXXX XXXX Veteran and over the last year had problems and am at XXXX. The pressure of this problem with the mortgage company and all the problems it has caused in my life has not been good for my mental health. They have destroyed my life that I was at last putting together and moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello my name is XXXX XXXX and im trying to obtain a loan modification to save my house. In this process has made me very confused and feel mislead.Trying to obtain a loan modification threw Carrington Mortgage Services seems impossible. I do n't even know which bank or mortgage company im even dealing with .The statements that are being sent out says XXXX XXXX XXXX and other statements says Carrington Mortgage services.When your also dealing with XXXX different people who is asking to submit information that you already submitted in which I mailed faxed and emailed 5 different occasions it makes you wonder what is going on with this company. My account was assigned a representive from there company but never could get a hold of her and she also said was n't receiving certain documents that I faxed 6 times to there company. I believe and will be proven that there conduct is not only unproffesional but unfair as well. Each and every time I submitted a loan modification packet I was told I did not meet the time requirements as far as them receiving information they needed from me on time and it was always pass the deadline they gave me to that they said they received my paper work. So I was told and letters being sent out to me stating that I was not approved for a loan modification twice because they said they never received my 30 day profit and loss statement but I faxed it to them 4 times well before the deadline they gave me. I was never told I did n't qualify. I just would like to save my home for me and my children, a string of un fortunate events lead me to this position that im in and I just want to save my home for forclosure which is scheduled for sale on XXXX/XXXX/2015. Which gives me very little time to figure this out. I believe threw there unproffesional and misconduct and tactics on acting like there not receiving certain information is a direct attempt to discourage me and in there actions directly cause me to lose my home instead of doing a loan modification in a honest way which would help me save my home. Im getting different info from Different companies for instance Carrington Mortgage Services sends me current mortgage bills, XXXX XXXX XXXX sends me current Mortgage debt as well. This whole ordeal has me lost and confused. If you could help me out in anyway in this matter I would truly appreciate it and would be thankful if you could help me get some honest results in this matter. Im actually working with a company called XXXX to also try and help me in this serious time sensitive matter. So with combined efforts I hope something can be done for me and my children so we can stay in our home and live the AMERICAN DREAM .Thank you for taking the time to read this letter. I work for ups and I own a cleaning company, i work hard to provide for my children and will do the same in making sure i can keep my home for us.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (I do not know) with High Point Asset Inc (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A company called High points asset keeps calling and leaving voice mails saying I have 72 hours to leave a statement on my behalf and that there are XXXX charges against me XXXX. Aways it is a recording. when I call back no one answers. They have also left messages on my parents phones as well

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Rent Recover of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX ( XXXX ) XXXX We lived in XXXX at XXXX XXXX and the lease was up in XXXX XXXX. Now this is on collection has to be removed. On XXXX/XXXX/XXXX was certified check of {$1200.00} On XXXX/XXXX/XXXX another certified check of {$1600.00} On XXXX/XXXX/XXXX another certified check of {$1000.00} On XXXX/XXXX/XXXX another check of {$110.00} Total amount was given of {$4000.00} case was dropped in court. We moved in the beginning of XXXX XXXX there charging us XXXX XXXX XXXX and XXXX which we no longer lived in the apartment complex when I tried talking to management I was treated very rude and disrespectful.

Company response to consumer: Untimely response
Consumer complaint received 11-10-2017 about Student loan (Federal student loan servicing) with Account Control Technology, Inc. (KY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I believe it was in XX/XX/XXXX XX/XX/XXXX I started school with XXXX I told him I had XXXX in a XXXX problem they said they had many resources to help me every time I would email the instructors on how to do something or to explain it to me a little bit better I always got the email back saying I do n't understand what you 're talking about I kept on having to take classes over and over and over until I got passing grade never got any help

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold from first mortgage to freedom mortgage without my knowledge. I was finally made aware of the change after trying to access my online account with first mortage to make a payment with no avail. I spoke to a representative whom informed me of the changes, and I promptly contacted freedom mortgage. They said they had sent me information, however it was never received because the info was sent to the wrong address. The representative took my new mailng information down, and informed me that I had a 60 day grace period to pay my mortgage. Today less than 30 days later I received a letter from first mortage stating that I was 30 days late on my mortgage, and the information had been sent to the credit agencies. I am trying to avoid a ding to my ( and my co-signers ) credit, due to misinformation provided by my new mortgage company. As well my home is for sale, and will be closing by XXXX XXXX. After speaking with a representative last week, he was made aware of the circumstance, and never made mention of the negative effects that could occurs if I did n't pay. After that conversation I was still under the impression that the 60 day grace period was still in effect and that my credit was still to remain in good standings.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The bureau is reporting false information on my behalf regarding my personal information, as well as false accounts that are not even mine and I have no knowledge of. I would like these accounts removed from my file as its is hindering me from utilizing my true credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Byrider Franchising, LLC (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX I mailed out a dispute letter via certified mail which was received on XX/XX/XXXX, 30 days later no response. on XX/XX/XXXX I mailed out a 2nd letter via certified mail stating how they are in violation of FDPCA, to this day I have n't received a responses what so ever, I have retained a copy my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NC).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Good afternoon, I applied for and received a Wells Fargo Cash Wise credit card. The card offer stated that I would receive 0 % interest for 12 months. However, I have only had the card a few months and they have charged me interest for the past two months. I contacted Wells Fargo and they credited me back the 2 months interest, but they did not change my interest rate back to 0 % In addition, I was supposed to receive a {$200.00} cash bonus after making {$1000.00} in purchases, which I have done. However, I have not received the {$200.00} bonus. I have inquired about this two times, but I have not received the {$200.00} bonus. 

Attached is the offer that I responded to.

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 11/25/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Synchrony bank keeps relentlessly sending me emails about a Walmart card I did not create or use to buy anything from like 2 years ago. Wo n't leave me alone or anything when I tell them I made no such card or purchases. They charged interest on a XXXX dollar overdue amount from 2015 it says and now they want me to pay XXXX dollars for things I did n't even buy!!!

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 10/16/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio Recovery bought a credit card account from XXXX XXXX I opened in XX/XX/XXXX. The account has never been any activity on the account since XX/XX/XXXX. As of XXXX, the statue of limitation is expired and should be removed from my credit bureaus. 

Portfolio Recovery Assoc. has fraudulently made payments to an account that is outside the statue of limitation. A payment of {$1.00} was made by Portfolio Recovery to the account to bring the account current. 

Portfolio Recovery then proceeded threaten to suit me and finally file a law suit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get phone calls from conn ' s corporation several time a day they usually call from 4 different numbers calling me at least 5 times or more with in an hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: In the past I have had a problem with medical bills from XXXX XXXX XXXX XXXX, XXXX. I divorced my wife and bills come to her address and she does not report them to me and allow them to go to Collections. This latest bill is the same. I have an alert on my credit and this is how I know about a negative report of XXXX dollars to XXXX XXXX from XX/XX/XXXX or XX/XX/XXXX. My credit check says that it is bill from XX/XX/XXXX and TransWorld Inc. Collections says XXXX XXXX. I have spoken to representative of TransWorld and I explain the situation with my former wife and she refuses to communicate with me. I paid XXXX dollars to TransWorld. Then I was told from TransWorld that XXXX dollars and change was owned to XXXX XXXX in XXXX XXXX which my daughter was given care too. I spoke to my daughter and she says that she was given care and she was going to pay bill but she did not receive a bill. Yes she used my former wife address. Also my Medical insurance company has not received a request for payment for XXXX. XXXX or XXXX bill, XXXX is unable to reference the bill because their records goes back to seven years only. I have email XXXX XXXX but I have not received a response for details concerning both bills and why they send bills to my former wife instead my address. My daughter is in college that is reason why she is on my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Over the last 5 years XXXX XXXX has been reporting I owe monthly installments of {$11000.00} which will equal {$130000.00} yearly for 84 months. TransUnions   did not investigate.

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 01/13/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Alliance Data Card Services (MI).
Issue: Unauthorized transactions or other transaction problem

Complaint: During the month of XXXX, a transaction of {$390.00} took place on my account that was not authorized by me. I became aware of this transaction and submitted a claim in late XXXX. I received a response that my claim was denied in XXXX. I contacted the claim department again stating that this transaction was not authorized, and did n't receive a response. I decided to escalate the issue, and eventually sent an email to the CEO directly. The same day, I finally got a response. I was told they feel I am responsible because they believe the transaction was secure. Regardless of whether it was secure or not, it was unauthorized, and therefore this is not an acceptable answer for me. They are now in violation of the contract I agreed to when opening the account, that states I am not liable for unauthorized transactions. I refuse to pay for this, as I did not approve it.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Same old same old- just recording for legal purpos es. Info  rmation never correct even after dispute. I check with lenders and they CLAIM they have rectified it.   XXXX   did not allow me a dispute again. Lenders claim they " were '' not notified by  XXXX . My core has not gone D O W N even with numerous co rrections.

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 05/23/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (GA).
Issue: Trouble during payment process

Complaint: I have contact ed Caliber Home Lo ans multiple times regarding an incorrrect balance increase they reported to the credit bureau and an increase in my escrow account because of an error of their end for the amount they set my escrow account at and also then paying the e ntire 2016 propert y tax amount when I did n't close on the home until  XXXX   2016. Ea ch time a representative assured me they will find the problem and contact me back. I was never contacted back so I started asking for a supervisor. A supervisor returns my call and assured me she would correct my problems and close my escrow account. I never heard back from her again. I started calling again. Exact same recourse. Another supervisor contacted me and the same spill. Never heard back from her again. My credit is still lower and they are charging me over {$150.00} a month extra each month and wo n't return my call or fix tne issues.     I have documented emails from differ ent Caliber representati ves and there is a customer survey that should be on file of all problems and errors I experienced at closing prior to this new issue. All phones calls were recorded so every minute of this should be documente d. Caliber has  spent my escrow account in error and now charging me more money, lowered my  credit score for a n incorrect balance increase and will not return an email, or phone call. Each new person says enough to get off the phone then ignores me and does not do what they assure me they will do. One representative even disclosed they do n't even have my proper uodat d closing documents on file that they messed up multiple times at my closing when we tr aveled 3 h ours for closing to almost not be given the keys to our new home. My next step will be obtaining legal counsel if this is not resolved and I 'm mislead once more about this being handled.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (OR).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX I was forced to sale my home due to hardship related to divorce. I entered into the loss mitigation process XXXX with an offer, but Freedom Mortgage continually delayed the process, lost documents, and eventually caused XXXX buyers to back out over 5 months. Finally, I received a cash offer, but still it took several months of back and forth to Sell the home. Following the sale of the home XXXX XXXX Freedom Mortgage continued to notify the credit bureaus that I am past due 180 days. This home had multiple offers, would have sold multiple times, and even after it sold I continued to get threatening letters regarding property insurance on a home I no longer owned. Freedom Mortgage has no accountability and their departments lack communication that sets up consumers for failure. 
Their loss mitigation process is not transparent, their customer service department lacks customer service ( Multiple complaints filed with no response ), and they have made no attempt to work with me to resolve this issue. I submitted my complaint to the XXXX with an evidence file that clearly articulates the issue with time stamped evidence, but the response completely avoids the evidence presented and only points out a poorly drafted timeline that omits their continued failures questioned in my complaint.

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have loans dating back to 2004. I have Signature Loans with XXXX XXXX Navient. I received bills before I was even able to graduate from school. Navient has not provided feasible payment options and my loans are growing exponentially.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NY).
Issue: Settlement process and costs

Complaint: I received a dispute summary report from XXXX and I see Wells Fargo closed my home Equity loan account # XXXX on XX/XX/XXXX with a XXXX balance then opened a new loan Account # XXXX under a loan type of a '' line of credit '' on XX/XX/XXXX with a balance of {$27000.00}. 
I never agreed or have any knowledge of this new loan, payment terms, repayment obligations or its association to my once home equity mortgage account. 
It 's my belief that Wells Fargo has no legal right to open a new loan in my behalf by prepackaging a previous home equity loan that should have been closed out due to the home being foreclosed on ... Additionally within the remarks it states '' foreclosure initiated, '' when in fact the foreclosure has concluded and was closed once the home was sold back in XX/XX/XXXX? 

Wells Fargo has acted unethically in the past and has been found guilty by our court system of falsely opening illegal accounts without permission or knowledge of its customers and has been ordered to reform their company 's business practices and pay a stiff penalty for their illegal actions.

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 02/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please see attached proof of filing with Transunion dated XXXX/XXXX/15, the credit reporting agency never investigated or properly processed the dispute. TransUnion file number is XXXX. The Transunion credit report dated XXXX/XXXX/15 has numerous ( at least XXXX ) charged off authorized user accounts that should have been removed. I am not legally responsible for repayment, nor am I under any legally binding contract with any of these authorized user credit cards. In fact, both XXXX and XXXX has removed these accounts immediately upon dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief