milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Struggling to pay mortgage

Complaint: I was in contact with the Department of Veteran Affairs and Caliber Home Loan,  and we were working on gathering and reviewing my documents for loss mitigation. During the process, my VA Loan Techician requested a postponement of the current sale date. Caliber did not deny the postponement, but they did continue to collect documentation for review. There were several technical delays with the email addresses and the contacts that they proviced. However, my VA tech was trying to assist by forwarding the information to Caliber as well. 



In the middle of collecting my documents, Caliber executed the Foreclosure sale without giving me a chance for review. I feel that they had no intent to review my package as they did not postpone as the VA requested for more time, and they executed the sale while I was under the impression that they were working with me to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: THERE ARE MULTIPLE HARD CREDIT INQUIRIES FROM THE SAME COMPANY AND MULTIPLE INQUIRIES FOR AN AUTO LOAN ON MY CREDIT REPORT GIVING ME A BAD CREDIT SCORE. HOW DO I OR CAN I HAVE THEM REMOVED. TRIED THE DISPUTE OPTION AND GOT NO WHERE.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit card () with BARCLAYS BANK DELAWARE (AE).
Issue: Other fee

Complaint: I am XXXX XXXX military I was given a Barclaycard gold master card under the condition of 0 % APR and annual fee waiver. Recently they have told me they are going to no longer honor this condition. I asked Barclaycard if I would continued to receive this benefit in XXXX when they removed the annual fee waiver for new applicants, and they said I would. I have the concersafion with Barclaycard saying I would continue to receive these benefits.

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 02-02-2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing statement

Complaint: Dear CFPB & Department Stores National Bank : I am writing to inform you of unfair billing and debt collection practices. As a result of these practices, to dispute all interest owed and late charges owed on the account, and corrections of any late reporting. 

Background : Sometime last year, Macy 's changed credit card providers. They sent me a new credit card issued by DEPARTYMENT STORES NATIONAL BANK, pursuant to a license from XXXX XXXX. I started receiving collection calls from " Citi '' in XXXX XXXX, and twice requested statements. The first statement I received was backdated statements from XXXX XXXX though XXXX XXXX, and postmarked XXXX XXXX, XXXX. 

Purchases Made : At the time of the new credit card being issued, I had no purchases on the account. I did make XXXX purchases on the account, both at Macy 's ( XXXX XXXX and XXXX XXXX ). 

E-SIGN Consent Not Provided : As I did not activate the credit card, it is not apparent that I provided consent to receive electronic statements. Nor have they been able to provide me this electronic consent. They consistently ask me to go into Macy 's account to activate and receive the disclosures. They have stated that they are provided to my email address, however they are not able to disclose the email address that they are provided to. I have not received any electronic disclosures. 

TILA Billing Statement Not Received Timely : A billing statement was not received, either electronically or in paper format. I requested these statements twice in XXXX, and received by me on XXXX XXXX, XXXX. Without the billing statement, I was not able to pay or dispute any amount owed. 

Fair Debt Collection Action - Unfair Collection Practices : A company started calling on behalf of Macy 's beginning in XXXX XXXX. I spoke to them in early XXXX, and in XXXX. Both times I requested a copy of the statements. They introduced themselves as " Macy 's '', " your XXXX XXXX XXXX '' or " Citi ''. The phone number they call from varies, and they call at all hours and multiple times a day. They call as early as XXXX PST and as late as XXXX PST, 7 days a week, up to five times daily. I repeatedly ask for a copy of the statement. 

My credit score as of XXXX XXXX was XXXX. I work hard at paying my balances in full monthly, or more than the amount required. As a result of no billing statement being received, no apparent E-Sign Consent provided, and unfair collection practices, I am requesting the following : Remove all interest and late charges from the account. 
Remove any delinquent reporting with the credit reporting bureaus in accordance with the requirements of the Fair Credit Reporting Act. 
Close my Macy 's account.

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 monetary relief
Consumer complaint received 09/22/2015 about Debt collection (Credit card) with Machol & Johannes, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Same case from case number XXXX. They have stopped since XXXX and are now again resuming their garnishment NOW with my employer. The documents sent by this company never showed my application to the firm client, there was no balance on it and the entire account was already charged off in XX/XX/XXXX. Please let Machol and Johannes LLC stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I checked my Equifax credit report through   XXXX   I found a "   XXXX   '' hard credit pull on  XXXX   XXXX ,  2017  that I did not instigate ( I did n't apply for new credit or do anything with  XXXX   ).  I contacted  XXXX  by phone on  XXXX   XXXX ,  2017 , and they refused to provide any information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Rushmore Loan Management Services, LLC ( Rushmore ) is in a business to foreclosure people home. I request the reinstatement quote many time : 1/ Reinstatement request email and fax to Rushmore on XXXX XXXX, XXXX 1/ Another request for Error Resolution Notice XXXX 12 C.F.R.1024.35 email and fax Rushmore and Trustee XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) But both of them continue to ignore my request. 
Today, XXXX XXXX, XXXX I received this note from Rushmore with the copy of the Note and copy Deed of Trust with down the breakdown in detail reinstatement quote as I did request Rusmore many time. 
Rushmore clearly does n't care about customer service or customer satisfaction. Nobody trust this company. Consumer Financial Protection Bureau please help to make this company out of their shady business as soon as you able. They just be here to harm and hurt customer. 

Attachments : 1/ Request for Reinstatement__XXXXXXX 2/ Error Resolution Notice Plus__XXXXXXX 2/Useless letter from Rushmore__XXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Other financial service (Credit repair) with Caliber Home Loans, Inc. (GA).
Issue: Fraud or scam

Complaint: Dear Consumer Financial Protection Bureau : ( 1 ) Property located at XXXX XXXX XXXX XXXX new jersey XXXX should not be in mu name, XXXX XXXX XXXX. I, XXXX XXXX XXXX, did not sign the application for the loan, and the contract was legally rescinded. 

( 2 ) There is a legally binding contract ( SHORT SELLAGE-bank approval ), and the buyer is in breach of contract. 

( 3 ) A foreclosure is in process, and their paperwork service of process is defective. I was not served the complaint or summons and the default judgment awarded them is VOIDED. Their was no due diligence on their part when they intentionally knew the mailing address XXXX XXXX XXXX XXXX Georgia XXXX. 

XXXX XXXX ) I, XXXX XXXX XXXX, keep have the same problem with self-proclaimed thugs, lawyer judges, et.al in the state of New Jersey and they need to STOP, adhere to their Laws/Statutes/Codes/Rules. 

Make them understand this simple concept : What they are doing is wrong. 

Please provide immediate resolute remedy without them further negatively affecting me, XXXX XXXX XXXX-The Innocent victim. 

XXXX and XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (I do not know) with Turning Point Solutions LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Turing Point Solutions LLC has been calling daily, numerous times a day using Unknown and fake local phone numbers like, XXXX then leaving messages for a call back to XXXX. They have called my Mom, my Son and me on our cell phones repeatedly. 

XXXX XXXX, 2015 a TPS representative named XXXX called me and my mom XXXX times this morning. He called my mom 's cell XXXX times in row and then immediately called my cell phone XXXX times in a row. He is leaving messages to call referencing case XXXX, but the number of times this company is calling is abusive and today 's occurrence was clearly unacceptable. This is a form of harassment and bullying.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2016 about Consumer Loan (Vehicle loan) with DriveTime (VA).
Issue: Managing the loan or lease

Complaint: Good Afternoon, My name is XXXX XXXX, I am a United States XXXX Veteran who has been attacked by the company DriveTime constantly calling my work place and harassing me over a car that was repossessed in XXXX. A back story, after going through a very hard transition period getting back from XXXX, I became homeless in XXXX XXXX. I called DriveTime and told them I could not make the payments as I could not even afford my rent payments. I told them to come pick up the car and gave them the address and location. That was 2 years ago, all I had on me at the time was a cell phone and as I was sleeping XXXX I was still receiving countless calls at all hours over this car. I have been awarded a XXXX rating of XXXX through the department of veterans affairs and I finally got my life back together. I am now trying to purchase a home for me and my newly wedded wife and I can not because DriveTime has a collection on my credit account for XXXX/XXXX/XXXX which is absolutely ridiculous. This is a false time frame and it is seriously impacting my credit score. I am trying to finally be able to buy a home and I am currently in the position to do so but these people are fraudulently recording the date of collection on this car and it is dramatically affecting my credit. I have asked them to correct the date for which this repossessed and they have yet to do so. It is clear through the Department of Veterans Affairs that this car was repossessed way before XXXX XXXX because I went to the Department of Veterans Affairs in XXXX of XXXX and they set me up at the XXXX XXXX and XXXX XXXX located at XXXX where I was able to take showers etc. I was at fault for not being able to pay for the car but they took the car back, and I am still unable to live a life two years later because they have inaccurately and reaged my credit information. I would like this fixed.

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 11-02-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have submitted my request to equifax in regards to the abuse of my credit profile with the collection agencies on my report and they along with the collection agencies do not want to comply with federal laws regarding debt collection practices in regards to billing, collections, medical debt they investigate it and no matter when the law is right they refuse to correct the errors on my report be purging the information from my credit record XXXX. I have asked them to supply me with the information of the individuals they have contacted regarding the alleged debt and they have refused profusely. Each time they expect their clients to tell the truth and when they lie they take their word as truth instead of asking for the original paperwork, billing or alleged contracts that they said that they have in their posession before the alleged debt was sent to them. I want with information from them and its refused each time now i am forced to go to get an attorney to sue the collection agencies and well as them for reporting such debts that i dont owe due to the bills being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: Wells fargo p romoted a {$250.00} cash bonus for opening a new account. I heard of scams about new accounts with them before, but this blatant  one  was alarming. After repeated calls as to why my bonus hasnt posted, I was told it was because they are waiting for a  XXXX  from me. They sent it to me in beginning of  XXXX . I sent it right back. I was also promised over the phone alternate information : All i needed to do is make  10  purchase with check card by  XXXX   XXXX  ( no mention of  XXXX  form needed at all! ). For good measure, I decided to mail them back the  XXXX  regardlless. It was not until the    XXXX   XXXX   XXXX   th at they confirmed they received the  XXXX . After writing to them about where the cash bonus is, I received a reply on the    XXXX   XXXX   XXXX   fr om "  XXXX  '' that they finally " received '' the  XXXX  form and the bonus should post in  3-5 bu siness days! I followed up on the    XXXX   XXXX   XXXX   a s to the whereabouts of the bonus, in which I was told that, sorry, I will not be getting it and I was lied to by their reps!! I am outraged. I feel I was lured into opening a new account and the {$250.00} requirements were purposely miscommunicated as part of their scheme. A bank as big as big  as Wells Fargo can  not mislead their customers repeatedly ( over messages and over the phone ) as part of their game to have people open accounts with them. I demand the {$250.00} bonus at once.

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 monetary relief
Consumer complaint received 06-04-2017 about Debt collection (Other debt) with VIRTUOSO SOURCING GROUP, LLC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This is a charge for  XXXX  service, i had cancelled my service with  XXXX  and return the phones, i spoke to a representative by the name of  XXXX  and he advised me that i will not be responsible since i have return my phones, Please remove this inquiry as it is affecting m y credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Between XX/XX/XXXX and XX/XX/XXXX my credit score went from XXXX to XXXX due to a derogatory claim on my credit report. I have to receive any legal verification of this via certified mail or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Im requesting your help to resolve this issue. I received a modification mortgage from Ocwen Mortgage company, XXXX of 2013. Before the modification my mortgage loan was from XXXX XXXX. I have been paying my mortgage on time since the modification. I am in the process of refinancing my car and was told by my bank, XXXX residential is still reporting to XXXX credit company. It looks like I have two loans on the same property. I have mailed them a copy of my credit report and still nothing has happened. I spoke to Ocwen and they see the reporting but always says they will investigate, but still no correction. I have only XXXX loan on this property. They instructed me to upload docuentation showing the credit issue. Everytime I try to upload the information. I always get " error page not found '' notification.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I briefly had a cellular telephone account with XXXX XXXX XXXX back in XX/XX/XXXX. I was on a XXXX plan an was paying somewhere between {$50.00} and {$60.00} a month. Being that my plan was XXXX, I had the freedom to choose a different service at any time. I decided to switch from XXXX XXXX XXXX to a different cellular telephone service. In XX/XX/XXXX a collection account from Enhanced Recovery Corporation appears on my credit report. This debt collection company claims that I owe {$200.00} from old XXXX XXXX XXXX debt. Being that my cell service was XXXX, this is not possible. In addition to that, my bill was paid in full when I decided to switch to a different carrier. I have attempted to have this debt verified to no avail. I also disputed this debt to no avail. I am at a loss as to what I should do about this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Billing disputes

Complaint: On XXXX/XXXX/2016 I purchased an airplane ticket for the amount of {$1900.00} with my CapitalOne credit card. In XXXX of 2016, I disputed {$500.00}, but the amount actually debited back to the merchant was {$1900.00}. The merchant contacted me immediately, and I explained that this should not happen, but they did send me a copy of the invoice sent from CapitalOne, which shows {$1900.00}. I asked the credit card company multiple times to tell me what it was debited to the merchant and how it can be resolved, but they were not willing to provide me with the actual information. After the merchant threatened to report this to a collection company, because the case was resolved on my behalf for the amount of {$1900.00}, I paid the merchant again the amount of {$1900.00}. I asked multiple times CapitalOne to credit me the remaining of the amount of which they debited the merchant {$1400.00} ( {$1900.00} - {$500.00} ), but they refuse to do that. I am losing faith in receiving this amount ( {$1400.00} ), and that is why I am turning to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: full and got a confirmation from them, advising me that as soon as the payment posted the account would be satisfied and listed as " paid collections '' and closed on my credit report, I was advised that they would contact XXXX XXXX XXXX, and let them know that this was now a " paid collections '' and would be closed. To this day I have contacted XXXX XXXX XXXX XXXX and Diversified Consultants, XXXX as my account is showing a {$0.00} balance but is still showing as an open account, I have yet to receive any answer from them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: experian 's upload/dispute system does not function ... .I could not reinvestigate XXXX items. 
XXXX, acct. XXXX ... .is claiming XX/XX/XXXX XXXX.IT IS XX/XX/XXXX. 
PLS DELETE ACCOUNT. 

XXXX XXXX .... IS A PAID ACCOUNT. 
THE CURRENT AND PREVIOUS PRESIDENT OF USA HAVE CREATED LEGISLATION FORGIVING STUDENT LOANS AND REDUCING PAYMENTS WITH ATTATCHED FORGIVENESS BECAUSE OF UNEQUAL UNFAIR TREATMENT OF PERSONS UNDER THE LAW ... ..WHY PENALIZE ME WITH CREDIT DAMAGE AFTER I HAVE PAID MY LOAN ... PLS DELETE ACCOUNT THAT HAS MULTIPLE INACCURACIES IN PYMT HISTORY.

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 01/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a private loan with Navient that was formerly XXXX XXXX. I started paying in 2006 and I have never defaulted or been late on a payment. I have been on forbearance a couple of times. After making many, many payments my original total {$10000.00} the balance has gone down less than {$200.00} on the XXXX loans I have with them. 
In the beginning of my loan they added on " capitalized interest '' in varying amounts from $ XXXX- {$1200.00}. They added that to my balance so they effectively have been charging me interest on top of interest. My interest rates are 7.5 % on XXXX of the loans and 9.5. % on the XXXX. 
I think the way they applied my payments, guaranteed that my principal balance would never go down. In fact, if I came close, my payment due adjusted to a slightly smaller amount. 
I am frustrated and have been discouraged that after paying thousands of dollars on this {$10000.00} the balance has only gone down {$200.00}.

Company response to consumer: Closed with explanation