vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
Dear Sir or Madame, I am a university professor and am under contract to sell my home and purchase a new home that would significantly improve my commute. 

I applied for a mortgage with Calibar Home Loans. I initially received a pre-approval letter. My contract to sell includes a contingency clause to back out for failure to complete the purchase but includes a {$2000.00} penalty to do so. I entered into this agreement only after having consulted with my loan consultant regarding risk. He suggested there was " none ''. 

I later received an approval for an FHA loan ( attached ). It was presented to me as a " commitment ''. It was presented to me a month before the anticipated closing date of XX/XX/. A week and a half ago, the mortgage consultant I was working with suggested that my " commitment is very clean ''. I presented it as such to my attorney, who, in turn, presented it as such to my seller and buyer. 

At the eleventh hour, the month of the closing and after having presented me with an FHA anchored loan commitment, Calibar tells me that they made a mistake and that my student loan debt creates an untenable situation with DTI ratios. Having been through FHA mortgages before, I was well aware of the historical complications with respect to ( and changes made to guidelines respective to ) the calculation of Income Driven Repayment ( IDR ) and Income Based Repayment ( IBR ) payments. Before even proceeding with the loan application, I flagged this issue for discussion with the loan consultant. He told me in no uncertain terms that the calculation was currently based on the monthly payment made reported on the credit report. In the end, Calibar is now stating the proper calculation is to take 1 % of the debt and amortize it as a 30 year loan and use that hypothetical monthly payment for underwriting purposes. 

I have good credit ( XXXX FICO ). I have consulted with an outside mortgage broker and they are optimistic that they can find an investor so long as my partner ( Civil Union NJ ) is included in the application. Calibar said they won't underwrite my partner. The problem, of course, is the time this will now take and whether all parties are willing to wait.

I wrote executive officers on XXXX and was promised communication at the executive level. I never received this. 

In short, I have been put in a very precarious situation due to Calibar 's *very basic and documented error* and Calibar should be doing everything they can to close the loan. They carry portfolio loans and sell their own products. 

I am starting to wonder if my name weren't XXXX and if I weren't in a XXXX relationship if I would be treated with such disregard. 

I look forward to a resolution to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
United Collection Bureau, apparently calling from the telephone number XXXX, is identified on my XXXX as " Spam caller '', who calls, and never leaves a message except one, when I HAVE picked up, they don't identify their company business or who they are calling for, they ask for " XXXX '' and my name starts with a XXXX, but the only voicemail they have left was that they " have filed a case and plan to proceed ''. This tells me nothing. When I picked up their call they and asked who " XXXX '' is and who they are calling for, they began to get irate with me and hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Hello! I am representing my company in this complaint.We began having issues with XXXX on Monday ( XX/XX/XXXX ). 

XXXX has caused numerous problems for us. Our current issue is that the XXXX app will not start on our CEO 's phone. When addressed, he was sent to level 2 support and was told his phone was not supported because it was VoIP. It took us 2 hours of waiting on the line to receive this response. What was interesting was when I tried to create an account with a VoIP phone, it worked just fine. We are not happy about receiving false information that damages our finances. 

In addition, all of us have tried to add our company debit card multiple times across multiple phones ( some which are not VoIP ), and we are being told that the debit card information is not correct on every single one. When we waited again on the line for an hour, we were told that level 2 customer support would not be able to add our company debit card to our account over the phone and that it " was against policy, '' and redirected us to our bank. We have verified our debit card information with our bank 3 times throughout this week and we have both concluded that this is a problem with the XXXX mobile app. We have banked with this bank for 2.5 years and we would strongly appreciate it if XXXX could work with us to solve this problem rather than redirect us to a bank which has never had any problems with other mobile transaction apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On Saturday XX/XX/XXXX I noticed that {$2500.00} was missing from my account. There was a withdrawal on XX/XX/XXXX of {$2500.00} but there was no additional information. I called First Tennessee customer service but could not get a hold of anyone as they were closed. 

On Monday XX/XX/XXXX I called and spoke with XXXX. She informed me that someone had withdrew {$2500.00} from my account at the XXXX XXXX Branch. I told her that was unauthorized and that I have never even been to the XXXX XXXX location. She said they will begin an investigation and that I will have my money within 2 business days. 

On Tuesday XX/XX/XXXX I received a call from XXXX asking that I go to my local branch to fill out paperwork regarding the investigation. 

On Wednesday XX/XX/XXXX I went to my local branch to fill out the paperwork. I filled out an affidavit stating that I did not withdraw this money. The banker stated that the money was withdrawn from an unknown location, not the XXXX XXXX branch. She could not confirm which location the money was taken from, but confirmed it was NOT the XXXX XXXX branch. I asked for more information and she said it will take up to 30 days. 

I am now short on the money and I need the bank to refund it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP
State: CO

Complaint narrative:
Key Bank has incorrectly reported a late payment on an account that they refuse to correct despite numerous attempts to remediate via the local branch and the corporate credit office. I have bank statements from my account and have been provided a payment history from Key Bank which clearly show 2 payments made in XX/XX/XXXX negating the need for a payment in XXXX. Several employees including the branch manager, XXXX XXXX, have agreed that the reporting is inaccurate and have assured me that they will get it corrected yet months upon months continue to go by with NO results. I have filed credit disputes with all 3 bureaus two separate times ( XX/XX/XXXX and XX/XX/XXXX ) and they keep stating the account information is updated yet payment history is still showing a 30 day late payment. 

After the first promise from XXXX XXXX that this would be handled and the ball was dropped I made it clear that I expected it to be handled for certain this time around to which he guaranteed it would be and was confused as to why it wasn't corrected. He then passed the buck to another employee XXXX XXXX who has been in contact with the credit department to get this resolved, all to no avail. I keep getting lip service that someone will handle it and it's not happening. It's been over a month now that I've been promised from XXXX and XXXX that someone will correct the reporting and I have no answer. This is despite the fact that they assured me it would be quicker to have them handle it directly with the credit department rather than going through the credit department myself which I was told had a timeline of 30 days which I made clear was unacceptable considering I'd been trying to have this handled since early XX/XX/XXXX. 

The company is violating credit reporting laws by continuing to report this payment as late. My next step is contacting the Attorney General to get results as this is negatively impacting my credit portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
On XXXX2016 XXXX XXXX made a final attempt to have the college debt discharged. 
XXXX XXXX XXXX XX/XX/16 to XXXX Hello, I did all of the steps to discharge my loans but I'm not seeing any results. 
I have been XXXX with a XXXX XXXX and one of my options with the student loan program is to discharge if I'm with a XXXX XXXX. 
I would like someone to follow up with me and assist me with finalizing this option. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX SSN LAST FOUR - XXXX Wakefield & Associates is using an intimidation tactic by placing the medical debts on my credit reports ( XXXX, XXXX  & XXXX ) They have claimed to verify validated the medical debts with just a statement of what they claimed I owe. The Federal Trade Commission says that's NOT enough, I have NO signed contracts with this firm or their client. Therefore I am requesting they remove all 2 tradelines from all 3 credit bureaus with my name and social security number

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 2018-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
1st, Sallie Mae sold/handed off my loans to Navient, without my knowing/consent. 
2nd, On multiple occasions, when trying to get Navient/Sallie Mae to put my student loans in deferment status they decline. Saying that this is not something that they can do and that the payment plan they have me on is the lowest they can go. That there is nothing more they can do for me and my economic hardship.

3rd, When I was unable to make the minimum {$230.00} payment/mth. They harassed me saying that they were going to get their money. Called me a deadbeat and scum for not making my payments.

4th, When I was financially stead enough to make payments, they wanted an absurd amount upfront.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I froze my credit with the three credit reporting agencies. I was provided with a personal identification number for all three different agencies. I subsequently sought to unfreeze my credit with Experian. 

I attempted to contact Experian by phone but could not reach an individual or speak with anyone. I provided my personal identification number when requested but Experian, for some reason, Experian could not acknowledge my personal identification number. 

The Experian website requested that I submit documentation ( social security number, drivers license, etc. ) in order to have my credit report with Experian unfrozen. On XX/XX/2018 I submitted the requested paperwork to Experian. Today, XX/XX/2018, I have heard nothing from Experian, either by phone, email or regular mail, and, as far as I am aware, my credit has not been unfrozen. 

I am requesting your help to get Experian to respond to my request to unfreeze my credit and provide me with a contact person with whom I can speak if need be.

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 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2018, I contacted Capital One about a charged off debt that was reported on my credit report. The information reported was a charge off amount of {$890.00}. I explained to Capital One that this account was not mine and requested any written evidence of my owing for this account as well as presented my FTC report indicating that I was a victim of Identity theft. Capital One responded that the account was verified without offering any explanation of how it was verified. To date, Capital One continues to report this fraudulent account which has a negative impact on my credit score in all credit reporting agencies. Capital One has not and can not provide any credible evidence that I am responsible for opening this account. I maintain that I did not authorize the opening of this account or benefit in any way from this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted my request for Income-Driven Repayment Plan on XX/XX/XXXX, I received confirmation of approval on XXXX XXXX. Approval for repayment amount is currently {$0.00}. Since the approval XXXX has reported past due/late payments for XX/XX/XXXX - XX/XX/XXXX. I called to inquire about the incorrect data being reported to the all three credit bureaus and have been advised to submit supporting documents, which I have via fax and uploaded the documents on my XXXX account. However due to the inaccurate reporting my credit score has decreased drastically and I have been denied for a home loan due to the most recent late payments reflecting on my credit report. Please provide assistance. 

XXXX has responded with an update as of XX/XX/XXXX. Document attached.

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 2018-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Contacted the company on XX/XX/XXXX of this year to request a current payoff amount for this mortgage loan. Was told by the customer service agent at that time that they would not provide the payoff amount over the phone, but would prepare a package that would go out with the information, and possibly would be in the mail that afternoon. No other special instructions that would be associated with this action were discussed at that time and as I persisted for a number on the exact amount that this process was necessary as they were concerned with the interest amount as the fee changed daily.

On XX/XX/XXXX having not received this payment package, I made out a check for the principal amount based on myXX/XX/XXXX payment statement. I mailed this check to the statement payment center that morning ( XX/XX/XXXX ).

On XX/XX/XXXX I received the payment package and with the payoff amount and payment directions. With fees and their calculated interest I would owe them an additional XXXX, but they also indicated payment to a different payment center and the need for a certified check or bank wire. 

On XX/XX/XXXX I contacted their call center and was told by the initial customer service representative, and then XXXX a supervisor I asked to be referred too that they would most likely return the original check and that I would need to contact them for a new payment package, essentially pushing the process out an additional four of five weeks at least and putting additional money in their pocket. I told them they needed to apply the original check to the principal balance, as the check has been trustworthy the last several months to accept for the monthly mortgage payment, there should be no problem with it for a final payoff. Was told they have a process that must be followed. 

I have no problem paying the additional {$100.00}, per their final number calculation that my XX/XX/XXXX check did not include. But disagree with incurring additional interest fees on the total mortgage amount while we work with in their created process and what seems to be a stall tactic to their benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX has incorrectly reported a late payment on an account that they refuse to correct despite numerous attempts to remediate via the local branch and the corporate credit office. I have bank statements from my account and have been provided a payment history from XXXX XXXX which clearly show 2 payments made in XX/XX/XXXX negating the need for a payment in XX/XX/XXXX. Several employees including the branch manager, XXXX XXXX, have agreed that the reporting is inaccurate and have assured me that they will get it corrected yet months upon months continue to go by with NO results. I have filed credit disputes with all 3 bureaus two separate times ( XX/XX/XXXX and XX/XX/XXXX ) and they keep stating the account information is updated yet payment history is still showing a 30 day late payment. 

After the first promise from XXXX XXXX that this would be handled and the ball was dropped I made it clear that I expected it to be handled for certain this time around to which he guaranteed it would be and was confused as to why it wasn't corrected. He then passed the buck to another employee XXXX XXXX who has been in contact with the credit department to get this resolved, all to no avail. I keep getting lip service that someone will handle it and it's not happening. It's been over a month now that I've been promised from XXXX and XXXX that someone will correct the reporting and I have no answer. This is despite the fact that they assured me it would be quicker to have them handle it directly with the credit department rather than going through the credit department myself which I was told had a timeline of 30 days which I made clear was unacceptable considering I'd been trying to have this handled since early XX/XX/XXXX. 

The company is violating credit reporting laws by continuing to report this payment as late. My next step is contacting the Attorney General to get results as this is negatively impacting my credit portfolio.

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 2018-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX XXXX  After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted my request for Income-Driven Repayment Plan on XX/XX/XXXX, I received confirmation of approval on XXXX XXXX. Approval for repayment amount is currently {$0.00}. Since the approval XXXX has reported past due/late payments for XX/XX/XXXX - XX/XX/XXXX. I called to inquire about the incorrect data being reported to the all three credit bureaus and have been advised to submit supporting documents, which I have via fax and uploaded the documents on my XXXX account. However due to the inaccurate reporting my credit score has decreased drastically and I have been denied for a home loan due to the most recent late payments reflecting on my credit report. Please provide assistance. 

XXXX has responded with an update as of XX/XX/XXXX. Document attached.

Company response to consumer: Closed with non-monetary relief