milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/13/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Trouble during payment process

Complaint: I can not get assistance from Caliber Home Loans to address my payment transactions. I have paid my mortgage payment every month. I do not pay monthly, I split my payment and send money orders in twice a month. I pay more than required.
I have asked Caliber in writing and over the phone on numerous occasions-Certified Return Receipt Mail to change my address to my correct mailing address which is my home-the property which I have a loan on.
They have refused to change my address. All of my mail goes to my mother 's address which is where I lived before I purchased my home.
No matter what, they refuse to change my mailing address and they return my payments to my mother 's home which I have no knowledge of until I go to my mother 's home and sift through the junk mail.
The only time I get any resolve is when I overnight letters and payments to the overnight address in XXXX. I wind up putting all the returned money orders and send them directly to the overnight address. But I work long hours and can not always get inside the post office to send a Return receipt overnight package. It 's easy for me to just drop it in the mailbox.
Caliber can see the actual dates of my money orders and the amounts. I have proof of every payment-I pull the money directly from my account on my payday.
My money orders are issued during the same month that the payment is due. I may not pay by the XXXX, but I pay before the month is out-splitting my payments.
I tried to set up my account for automatic deductions from my checking account but the system would n't allow me because it said my account was n't current.
I currently owe for the month of XX/XX/XXXX, but before I send my payment out, I would like help from someone at Caliber to go through my account and change my mailing address.
My taxes and insurance should be paid from my escrow account and my insurance agent just emailed me on XXXX XXXX, 2017 to tell me that my insurance policy was n't paid for by my mortgage company.
I need help. I am very very frustrated. I only owe for the month of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX  and transunion both received the police report and the id theft gov taking more than 30 days with XXXX   XXXX XXXX to fix my id theft Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX   XXXX  XXXX  XXXX-XXXXXXXXXXXXXX XX/XX/XXXX {$110.00} {$110.00} XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX cra violation tranunion XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXX/XX/XXXX {$830.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX  XXXX   XXXX on XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am SO grateful and thankful to the CFPB for your investigation of Ocwen. I have submitted a FOIA request asking for verification of Ocwen 's fulfillment of the XXXX payment requirements of the US District Court consent judgement. 
My complaint ; what about the additional Ocwen victims not covered in the US District Court Consent Judgement who were forced into unnecessary forced bankruptcies to avoid unsubstantiated foreclosure by Ocwen. Forced to spend money on attorney and bankruptcy fees, unsubstantiated costs while in bankruptcy and the consequences of a bankruptcy on one 's record. These victims have not been abetted. 
I think that if I started a blog requesting victims respond I am of the opinion numerous victims would respond. 
When forced to file my unnecessary bankruptcy the bankruptcy judge asked me " why are you filing bankruptcy with only 1 creditor ( Ocwen ) and all this money in the bank. '' I told her Ocwen refused to communicate with me even though I tried calling, emailing, mailing to no avail and that it was a culmination of a 20-year battle with Ocwen trying to steal my home. 
I can tell you if it was not for the CFPB and the Texas Attorney General 's office soliciting a response to my complaint about Ocwen while in bankruptcy, Ocwen would not have followed the provisions of my bankruptcy. They had already operated in the bankruptcy contrary to Consent Judgement Settlement Term Sheet, Paragraph 1 Foreclosure and Bankruptcy Information and Documentation and sent me numerous letters referencing actions and making demands that were contrary to the requirements of the bankruptcy. My complaint, once again what about the victims forced into unnecessary bankruptcies?

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Money transfers (International money transfer) with CITIBANK, N.A. ().
Issue: Fraud or scam

Complaint: I thought I was doing a personnel favor for my CEO. I was sent a spoof e-mail in my companies mail box. I was defrauded on XX/XX/2016 for an amount of {$55000.00} US. I can send the corresponding XXXX e-mail along with correspondences with Detective XXXX XXXX of the XXXX Police Department XXXX ( XXXX ). 
Money WIRE was sent to Citi Bank, XXXX XXXX XXXX XXXX., XXXX, CALIFORNIA, UNITED STATES, XXXX, BANK ID XXXX XXXX

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 09/29/2015 about Mortgage (Other mortgage) with ROYAL UNITED MORTGAGE LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: I was charged {$470.00} appraisal fee. Royal United Mortgage emailed me all terms related to loan. They were informed this is a permanently fixed manufactured home. Before and after appraisal I was never contacted by co. Had to seek them out to find they did not want to go thru with loan. My credit rating is XXXX. My income is sufficient. The loan I have is FHA. I would like the appraisal fee returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have sent a certified letter to XXXX XXXX XXXX XXXX. and asked them to send me all of the information in the letter that had all of the information that I am asking for. I have all of the letters and copies of the information that I am asking for. They did not give me all of the information that I asked for. They are still wanting my to pay this debt but I asked for information and they did not give me everything that I asked for. I gave them 60 days to take care of this debt and they have not taken care of the debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (NY).
Issue: Managing the loan or lease

Complaint: I purchased a TV from XXXX store on XXXX/XXXX/XXXX for {$2900.00} which was on promotion no interest rate for 24 month and after 24 month period would be 26.99 % apr. I made monthly payments for about 2 years in the amounts of approximately {$100.00} on monthly basis on XXXX website. 
XXXX switched their processing bank to Synchhrony financial processing in XXXX and I had to send remaining payment via regular mail to Synchhrony XXXX. 
I send few remaining payments that Synchhrony did not post toward my account and now Synchhrony is demanding {$3800.00} from me to pay and refusing to settle anything less then for {$3800.00}. 
They are refusing to give me any information, they are treating me as I have never made a single payment for the originally purchased item from XXXX. 
After my numerous of attempts to resolve this issue and account discrepancy they forward my account to a collection agency who is damaging my credit history and demanding and harassing me to pay nothing less then {$3800.00}.

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 02-01-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Payoff process

Complaint: I made purchases through XXXX promotions, XXXX eighteen-month financing and a twelve-month financing. My payments are timely, never late and always more than the minimum due. XXXX XXXX, XXXX I made an online payment of {$150.00}. I noticed my balance appeared {$800.00}. more than it should be. I then noticed I was charged {$790.00} in interest on the eighteen-month financing promo. I did n't realize the 18-mth promo ended and the deferred interest {$790.00} was applied. I immediately contacted Best Buy to resolve the matter without success. I was told the promo balance of {$650.00} needed to be paid to avoid the interest. I offered to pay an additional {$500.00}. immediately to waive the interest and was told an emphatic " no ''. I made several calls to Best Buy and got different answers but all said " no ''. I also called BBuy Dept. of Citibank and spoke to a woman who said I had 20 days to pay the promo balance which would have been XXXX XXXX, XXXX. A matter of 4 days cost me an additional {$790.00}. I also spoke to another BBuy rep and was told someone would call me back and no one did. As a matter of good faith, I paid an additional {$500.00}. on my account XXXX XXXX, XXXX. That would make a payment of {$650.00} to satisfy the {$650.00} promo balance. I also researched the Credit Card Act 2009 and TILA. Both state the disclosure of the time frame of the promotional period must be clear and conspicuous. Looking at my BBuy statement the things that stand out to me are the bold banners and large print. The disclosure re time frame is in the lower third of the statement in very small print. The time frame notice on the statement does not appear to meet the standard set by the Credit Card Act 2009 or the TILA, i.e. " readily noticeable to the consumer ''. Something as relevant as the disclosure should be prominently displayed with a reasonable font size. Apparently, this has happened to many consumers. I have read multiple posts where consumers have been the victim of this practice for even larger amounts of interest, all without success in having the interest removed. I would have at least expected a friendly compromise and/or some flexibility in the interest charged. It is not like I called months later and it is not like I did not offer to immediately satisfy the {$650.00} promo balance. What is certain is that Citibank Best Buy credit card practices are predatory and in direct violation of the Credit Card Act 2009 and the TILA, Truth In Lending Act. In light of that, I would like the deferred interested waived and removed from my account immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/15/2016 about Payday loan () with ACE CASH EXPRESS, INC. (NC).
Issue: Charged fees or interest I didn't expect

Complaint: ACE CASH EXPRESS had a 3rd party collection agency call me and are saying they are going to take legal action against me and sue me. Some guy also called saying he was coming to my house to serve me papers. Apperently i owe {$2500.00} or I will be sued for {$6500.00}. Just seeing if this is legal and not fraud. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX ,  XXXX  CFPB :   XXXX   denies me credit as retaliation for complaints that I have filed against  XXXX  and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the  past five ( 5 ) ye ars.   XXXX    claims that I owe it over {$140.00} on my    XXXX     Visa Platinum C redit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX ,   XXXX    alleges that it performed more than {$140.00} of Maintenance on my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance.  XXXX  threatened to take away my  XXXX   XXXX  and the personal property of  XXXX   XXXX   XXXX   XXXX  generations of my family, if I did not pay the Undeserved Maintenance Fee.   XXXX   intimidated me into paying the Undeserved Maintenance Fee.   I demand that   XXXX   remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my   XXXX    Visa Platinum Cre dit Card.   If CFPB can not get   XXXX   to agree to this, then I request CFPB to get  XXXX  to accept payment from my    XXXX    Checking Account to Completely Pay Off the alleged Outstanding Balance on my   XXXX    Visa Platinum Credit Card. And remove the negative   information.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX

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 07/29/2016 about Mortgage (FHA mortgage) with ACADEMY MORTGAGE CORPORATION (IL).
Issue: Application, originator, mortgage broker

Complaint: Due to the complete lack of organization, overriding negligence, and careless mistakes we were 13 days late from our agreed closing date. The calendar days ( not business days ) are extremely important because we had repairs needed on the house that were not just cosmetic, they were for health reasons for our daughter ( and there was mold ) and the construction takes into account weekends. The construction company had planned on using all available week and weekend days. 
Due to the lack of operational and industry knowledge of the new rules and regulations on on the mortgage company 's side, Academy Mortgage, we were forced to change everything with our move. We had to rebook moving companies, get storage for our possessions, and forced to stay weeks at hotels. We issued a claim against Academy Mortgage to cover our costs associated with the missed closing date and financial impact this caused our family. We submitted a letter detailing what they had put us through and their negligence ( not running title searches when they should have, incorrectly informing us of actions needed, having us fax IRS transcripts to their organization, etc. ). 
The letter explained that the days we had to stay in hotels was XXXX because of our post possession closing gave our contractors an actual of 19 days to get the work done. The letter detailed the financial loss and stress they put us through and they responded with incorrect facts. I ca n't believe in this day and time the level of negligence, lying and mistakes allowed to occur and impact consumers financially is still allowed. We are looking for Academy Mortgage to cover our losses caused by their organization. We are not seeking ( at this time ) reimbursement for lost wages, food or other losses, we are only seeking reimbursement for the direct financial loss of the hotel stays needed for the delayed closing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (MI).
Issue: Account opening, closing, or management

Complaint: My account check card was stolen ... I alerted the bank and they charge me over {$300.00} in bank fees then closed my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Medical) with Ray Klein, Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: So my situation is a little more complicated than what is listed above. I 've tried calling the CFPB but she could n't help me. Apparently I had debts in collection in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX right as I was changing jobs, I asked for a statement. I changed jobs and had a hard time with familial things at the same time and that was the last time I heard from this Credit reporting agency. Since I work for the Veteran 's Administration and it was hacked right after I started in XX/XX/XXXX, my credit is monitored through XXXX. Today I got on to check activity and it showed activity from this credit reporting agency from XX/XX/XXXX and XX/XX/XXXX. I have not heard or seen ANY activity since XX/XX/XXXX from this agency. When I ran my credit report through XXXX, it shows XXXX accounts with Professional Credit Service that are CLOSED. When I called XXXX and asked why they had n't contacted me, all they said was we contacted you XX/XX/XXXX and that was the last we heard from you ( me ). I do n't understand how they can legally close accounts and reopen them and start posting to credit reporting agencies two years later with no notification. I 'm very broke and I can not afford any more debt right now. Please help. Please tell me if they can legally reopen accounts they have listed as closed and have n't notified the debtors ( me and my husband ) in TWO YEARS : (. THANK YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/30/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Unacceptable sharing of other persons information with me, while corresponding on my dispute. 

On cfpb complaint XXXX of application XXXX, I was mailed a correspondence document that not only included my 3 page letter but also a two page one to XXXX XXXX XXXX XXXX and XXXX XXXX, picture attached. Im sure the XXXX would be very disappointed in this disclosure to me, a third party. I am happy to share this with them but am going through proper channels so you can notify them of this breach and penalize wells for the breach as allowed.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX. Transunion is taking advantage of people seeking credit freezes in light of XXXX breach. They provide misleading sales pitches, purposely push a " lock '' in place of a freeze, and scammed me into a subscription that renews monthly and for which the price XXXX {$21.00} XXXX was hidden. To cancel you have to call them, and there is no way to get past a lengthy hold and reach anyone. Please help.

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 03/31/2017 about Debt collection (I do not know) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I do not know who this company is, never recur correspondence about this supposed debt. I am a military vet and I want this false collection removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/26/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian reports a debt that doen not belong to me without proof or validation. I have demanded proof of debt, and Experian simply responded that " collection agency has verified ''. 

Since XXXX 2015 I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ]. 

I requested the following documents : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

XXXX. only provided a " Statement '' does not have my address on the Statement they provided, and the phone number listed does not belong to me. 

The law clearly states that if a creditor ca n't validate a debt : They are not allowed to collect the debt, They are not allowed to contact me about the debt, andThey are also not allowed to report it under the Fair Credit Reporting Act ( FCRA ). Doing so is a violation of the FCRA, and the FCRA states that I can sue for {$1000.00} in damages for any violation of the Act. 
A collection agency CAN NOT report a debt to the credit bureaus which has not been validated, and, I can sue in federal or state court for the violation they committed. I can receive {$1000.00} for the incident plus damages. 

XXXX ( and Experian ) continues to report negative information on my report fraudulently. 

They have damaged my credit for over 90 days without any proof despite several requests. They continue to disregard all Federal laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Debt collection (Credit card) with Conn's, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is Conn 's Home Plus and I am late on a payment and now they 're calling me XXXX, XXXX, sometimes XXXX times a day everyday.

Company response to consumer: Closed with non-monetary relief