milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Hi, I have been trying to get my mortgage modified since XXXX. My servicer is Caliber Home Loans. My uncle co-signed my loan when I purchased my house. I was told by XXXX XXXX, my Caliber representative to have a quit claim deed filed removing him which I did in XXXX. My uncle does n't live in the property and does n't contribute to my household. I have submitted XXXX loan modification applications. I am also working with a HUD counseling agency. The very last modification that was submitted she thought we had worked out this issue regarding my uncle and the quit claim deed. They continually ask for either his financial information or the quit claim deed. I have submitted the quit claim deed numerous times. When my counselor called Caliber and spoke to their representative XXXX ID XXXX she explained the whole situation. XXXX stated that they could n't see the transfer of title. They each pulled up a copy of the deed and the counselor showed the Caliber representative exactly where the transfer was. XXXX stated she understood and could see it and would show underwriting and have the file escalated. XXXX advised the counselor to call her back in a few days ( XXXX XXXX ) When my counselor called XXXX back a couple days later for a resolution XXXX did n't pick up the phone so the counselor left a message. XXXX never called her back so the counselor called again and was told the file was denied because they never received the quit claim deed or my uncle 's financial information. This is very frustrating as I feel as if this is being done on purpose. I have submitted the complete package to them again today with a letter explaining the deed transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I know the annual process of ibr takes time so I started my renewal three months early in XXXX of 2015 with fedloan servicing.. After 5 resubmitted applications and filling the last two out with the phone operator, and calling to make sure things were good they still say I 'm declined.. I believe my actions show I want to make my payments but they do not want to work within the government guidelines on ibr and pay as you earn.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NY).
Issue: Taking out the loan or lease

Complaint: I purchased a vehicle from an individual with a lien on the vehicle. XXXX cahier checks were sent via overnight mail and only XXXX check was applied - the other check is missing from Wells Fargo. I can not obtain my money back from the cashier check for 90 days. I do not have the vehicle, I am out {$7300.00}, and have spent countless hours on this issue. We ( the seller and myself ) followed the standard procedure for paying off the loan. Wells Fargo needs to be held accountable.

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 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Choice Recovery, Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX of 2017 a collection showed on my credit report from XXXX XXXX XXXX via Choice Recovery. This is not my account. It was confirmed that this was not my account, but my son 's ( XXXX XXXX XXXX, not XXXX XXXX XXXX ). I filed a dispute on XXXX XXXX at that time. This information is still reflected on my credit report. My wife and I applied for a Home Equity Line of Credit to pay down our debt and were denied due to this collection causing my score to be XXXX, not above the 700 that is required. My son, my wife and myself have spoken with the collection agency and the company who originated the file. They state they did not report this on my social security information and that the credit reporting agency must be pulling the data incorrectly. The credit reporting agency does not have my dispute on file, from XXXX of 2017. They have asked that I submit another dispute because it is only the collection agency that can remove the negative report. I don't believe I should be required to file another dispute, which will take longer to resolve. Time is of the essence and I am respectfully requesting this be removed from my record immediately. This is going to impact my credit score even further due to needing to have another inquiry to obtain credit after this denial. Choice Recovery, the collection agency has sent me a letter showing that this is being requested to be removed from my son 's record. They state it was not filed on mine, but clearly it is. Please remove this from my record.

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 03-06-2018 about Mortgage (Conventional home mortgage) with Union Home Mortgage Corp (IN).
Issue: Trouble during payment process

Complaint: Union Home Mortgage Corp Office In OHIO The branch of the institution that I send my payments to DOES NOT KNOW HOW TO ADD ADDITIONAL PRINCIPAL to my payments. 
XX/XX/XXXX {$650.00} paid, only the mortgage amount was applied XX/XX/XXXX {$650.00} XXXX paid only the mortgage amount was applied XX/XX/XXXX {$650.00} paid only the mortgage amount was applied Mortgage amount was {$420.00} something. 
WHERE is the rest of the money??? 

XX/XX/XXXX # XXXX {$1400.00} DESIGNATED,, '' PRINCIPAL '' ONLY PART WAS APPLIED TO PRINCIPAL

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 10/20/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: I Deposit {$520.00} XXXX XXXX Ref Num XXXX To Loud My RushCard XXXX On XXXX/XXXX/15 XXXX My Acc Balance Is {$0.00} Custumer Service Is Not Avelable ( not one XXXX number is working I Ca n't Access to No Rep ) I Do n't Have Access To My Money Day 7 With No Access To My Money XXXX/XXXX/15 XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NY).
Issue: Adding money

Complaint: My direct deposit posted to my Rushcard account on XXXX XXXX. It is 6 days later and due to computer 'glitches ' I still have no access to the funds!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NCC Business Services, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was a resident at XXXX XXXX, I moved out on XXXX2017 and management failed to remove me from the system, I was still being billed and I called several times and spoke to management and they assured me that the balance would be corrected. I later received notice a month later that the balance had been reported to a collection agency. I called the collection agency and advised them of the error, they stated that they just needed documents from XXXX XXXX  Management so I went to their office and was assured again that this matter would be taken care of. It is still on my credit and causing my score to decrease. XXXX XXXX does n't care and I need help because I am currently in the process of building and maintaining good credit. I pay everything on time and their negligence is causing harm to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I opened a card under the promotion of getting {$150.00} in cash back after spending {$500.00} in my first three months, and I have not received my bonus yet. After multiple calls and chats with customer service they kept saying they were going to open up a ticket and nothing has ever happened with it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Debt collection (I do not know) with Media Collections, Inc (NJ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I continue to receive calls from a debt collector " XXXX XXXX XXXX XXXX '' after telling them that I do not own the debt and after telling them to stop contacting me. But the calls continue and are non stopping.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation and the injured parties THEY are responsible for by signing them up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (I do not know) with Pendrick Capital Partners Holding, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company describes them self as " Affiliated Assests Solutions '', it is a debt collector company. Many years ago they have been calling my cell phone. They continue to call to my personal cell phone asking for a person named XXXX. I told them to stop bother me. They stopped for time to time and then they started again to calling me twice almost every week. I called them to stop but it did n't work I told them that there is nobody under this name with this phone number. I have this number more than 6 years. They don listen. When I am working, resting, eating any time any hour they are calling. Please I need somebody stop this people.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: On XX/XX/XXXX I pulled my credit report to go over it and I saw a Collection entry on my report from Debt Recovery Solutions. The funny thing i that they are collecting for XXXX 's which was included on my Chapter XXXX Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX. This collection item was opened on XX/XX/XXXX this should have never been opened and they should have never reported this collection account at all. This item needs to be removed now. I have disputed this item with all XXXX credit bureaus and I even tried to get through to them but I was told that I would have to pay the money or face a judgement or they would garnish my money. Ridiculous this is. This goes against my rights under the Fair Credit Act. You can not do this you can not just go and illegally insert fraudulent accounts on my credit report. This is a crime this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient has decided to send all communication to me electronically in an attempt to steal from me and put me in default. I told them I want all communications to be in writing and to not contact me via email in any way. Navient is also miscalculating the amount due on my loan. The last statement is incorrect. 

Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Problems when you are unable to pay

Complaint: I purchased a Kia Sorento with Capital One financing in XXXX XXXX XXXX 2016 I realized that because of the increased cost of my medical care resulting from my XXXX, Medicare costs going up, and fewer doctors taking Medicare that I could no longer afford to make the car payments. I contacted Capital One about arrainging a Voluntary Repossession. They told me that I had to contact a special department and that someone from that department would call me back. I waited two weeks without a call back. I contacted and called them back. Again the same run around and no call back. I called again the same thing. They are going to force the repossession to be due to non-payment which will have a greater impact on my credit record. And they will probably force a private sale which will cause me to owe more than I normally would after all is said and done.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX XXXX ... I received a reply from TransUnion regarding the dispute of inaccurate and unverifiable information contained in the public records section of my credit report. TransUnion says the information is verified as accurate. But you 'll find that the reported PHONE NUMBER on the credit report is inaccurate. There are also other inaccuracies that appear on the fully detailed credit files about this public record. 
The Fair Credit Reporting Act ( FCRA ) states that ONLY 100 % accurate, 100 % complete and 100 % verifiable information can be reported. 

However, TransUnion has continued to violate the Fair Credit Reporting Act by reporting inaccurate and unverifiable information in my credit report ... as well as also neglecting to show that the contested information is " currently being investigated '' or as " consumer disputes ''. And this is a very important right that they have blatantly violated EVERY TIME that I 've disputed this information, because they never make that notation & also continue scoring this inaccurate information against me while it 's being investigated ( which is a laughable fraud in and of itself ). TransUnion thumbs its nose at federal laws! 

Additionally, TransUnion has NEVER verified the public records information DIRECTLY with the US Bankruptcy Court. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court. 

I have also attached a letter from the US Bankruptcy Clerk that states that THEY THINK that credit agencies get their information from a 3rd party service such as PACER or other agencies like XXXX. 

This is not reliable, and is prone to errors. 

TransUnion has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to TransUnion. 

I am demanding that TransUnion be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information directly with the US Bankruptcy Court.

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent Certified letters to all XXXX credit bureaus to have this bankruptcy removed from my credit report and I have received the same response " This item has been verified through a third party reporting agency " I have a letter from the US District Court stating they do not verify to anyone.

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 07/16/2015 about Consumer Loan (Installment loan) with AMERICA'S CAR-MART, INC. (KS).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2014, I purchased a standard used XXXX XXXX from America 's Car Mart Inc. in XXXX, TN, for {$14000.00}. Today the XXXX XXXX XXXX price is listed at or between {$1500.00} to {$1700.00}. The annual percentage rate extended to me at the time was at 15 %. I 'm currently financing the vehicle in-house through America 's Car Mart. Since purchasing the vehicle I have made all payments on time ; however, I simply can not afford to continue making these high payments. For the first 3 months, I paid {$310.00} dollars every 2 weeks for payment, I currently pay {$240.00} dollars every two weeks for payment. I have 38 more payments before my last payment is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Mortgage (Other type of mortgage) with Ditech Financial LLC (IN).
Issue: Trouble during payment process

Complaint: I have previously submitted 2 complaints about this company and situation. Previous complaint # XXXX and # XXXX. Pertinent documents were attached with the previous complaints.The saga continues. I had XXXX this year and made a payment arrangement with the mortgage company to spread the payments I would miss over a course of months. I received a signed letter from the company stating what the arrangement agreement was. A month later I received a letter stating I take a loan modification or face foreclosure. That problem was supposedly resolved after the 2nd complaint to you. On XXXX XXXX, XXXX at XXXX XXXX I spoke with XXXX at XXXX XXXX about a payment made and advised her it was guaranteed to be received that day. She proceeded to ask if this was the amount on the loan modification that was showing on my account. Imagine my frustration and disgust that this company is still trying to bully me into this modification. A loan modification would benefit them by extending the terms of my loan and give them added interest payments on that loan. I informed her there should not be a loan modification and asked why it was still showing. No answer to that. I fear that this will be an on going problem and this company has shown over the years that they ca n't be trusted. My mortgage was sold to XXXX many years ago, their name changed to Green Tree and now it 's Ditech. All owned by the original Everhome. It 's just the wolf in a sheeps clothing. Also as a result of the original complaint I was not to be contacted by phone anymore and of course, that is still happening. I sincerely wish I could get this mortgage into a more reliable and trustworthy company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I have three accounts on my experian report that are not mine 1 XXXX XXXX 2 XXXX XXXX 3 Bankruptcy

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 10/19/2016 about Debt collection (I do not know) with Alorica Inc. (NE).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I received a call from Global collections XXXX at XXXX at the end of XXXX in regards to trying to reach an XXXX XXXX. I advised the agency that this person was not allowed to have calls at work and I would not be able to take a message. She then became rude with me. I terminated the call. She immediately called back the same number. She then researched my personal info and repeatedly called my personal cell phone and my spouse 's personal cell phone. I called the company back was at first denied the ability to talk to a manager. I then called back and advised that would be filing a complaint and to stop all communications with my numbers including my cell phone and work number. I also advised again that XXXX was not able to have calls at work so they needed to remove the work numbers. On XXXX/XXXX/2016 I received another call from this company at the XXXX. If this is not addressed will be filing suit for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit card or prepaid card (General-purpose prepaid card) with JPMORGAN CHASE & CO. (MI).
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint: The problem is chase bank, my bank. When I log in it always tells me that I am pre qualified for the chase unlimited card. I checked my credit report today and it shows a denial inquiry on my report that drop my credit  XXXX  points. I want this removed at once so I can make arrangements to take my money out of this bank. This is a clear case of false advertising.  Chase  also sends the same thing in the mail

Company response to consumer: Closed with explanation