milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I purchased a house in XX/XX/XXXX, using cash from my retirement account and a loan from a friend. I intended to get a mortgage to replace the funds and repay my friend 's loan. I applied in XX/XX/XXXX to Quicken Loans through their Rocket Mortgage division. The first person I talked to, XXXX XXXX, did an initial evaluation, asking a bunch of questions. One of the many questions XXXX XXXX asked me was whether I 'd been in the house for six months. My response was No, I 'd been in the house FOUR months. 

After answering her questions, XXXX XXXX passed me off to someone else, whose name I do n't recall, but who was a Loan Processor. He asked me some of the same questions as XXXX XXXX and sent me a rate lock-in agreement, which I signed and returned as instructed. He said I had to get the house appraised and the cost was {$500.00}. I agreed to the appraisal and paid the {$500.00} and signed the Deposit Agreement. In the meantime, the processor sent me the usual mortgage application documents. 

A few days after the appraisal was completed, the loan processor called me and said hed just discovered Id only purchased the house four months ago, and their company required the applicant to live in the house for a minimum of six months before refinancing. So, I was informed, they were unable to proceed with the refinancing. I argued with the processor that they shouldnt have made me get an appraisal on the house since it was already pre-determined there wasnt any way Id be able to get the mortgage. I felt they cheated me and played dirty. I asked him if this bait-and-switch was the way they just another revenue stream for them. A few days later, I received a letter from XXXX XXXX, stating they just wanted to remind you [ me ] of the reasons why we are unable to help you with your loan at this time. They went on to claim the reasons were related to Collateral ( Title Issues ) : liens, judgments, vesting. 

The letter was a total lie and I didnt appreciate being lied to. I demanded my {$500.00} back and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I woke up on XX/XX/XXXX to a total of 233 separate emails regarding credit applications, installment loan applications all in all XX/XX/XXXX is when inquires begin but I did n't realize it then. On XX/XX/XXXX and XX/XX/XXXX at my last count XXXX hard inquiries were made and XXXX soft inquiries were done. I have not been able to to view all three credit reports again to see if more are coming. I tried to get on my credit report on Equifax first but die to a cyber insodent it was alarted to get a XXXX premier account. Then got 36 and still counting alarts of activities. I called XXXX first and had my credit fraud alerted. I am in the process of of faud claim with them and XXXX. XXXX said more then likely after a investigation those 50 plus inquires made overnight would be removed from my credit report as to not impact my credit score I have recently worked hard to build. However even after being not able to log on to Equifax due to the being effected by the cyber incident I was told they would n't be removed. All I could do was a fraud alert and a credit freeze. This is a devastatin blow as within the last nine months I have gone from very poor credit to gaining two auto loans and 5 lines of credit. It is very clear this was done with not as a typical consumer would do. I am even thinking I may change my email as I am being overwhelmed with credit offers, turn downs, and junk from anything that 's connected with my email link to credit bureaus. I do n't know how or exactly when this started but there has to more I can do then just a fraud report. This is my credit involved, my personal info, my employment, and worst of all impacts my financial situation when I 've been doing all I 'm supposed to to better it. I was just getting two steps ahead. Now my credit score dropped, my credit is froze, and I see no end to this mess in sight. I have worked hard for Equifax. I thought it would work just as hard for me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (WA).
Issue: Trouble during payment process

Complaint: Hello, A couple of months ago, I received a letter from the state seeking past due property taxes be paid. This would be taxes that I signed to have paid through escrow. When Loancare purchased my loan, they were not including that amount in my monthly mortgage statement. I have thrown away the dates and operator numbers when I was under the impression that this issue was corrected in XXXX 2017. I called 4 times. I have sent documentation from my closing agreement that my property taxes would be paid through escrow and each time I called, i was promised that I would receive a call back from a manager with a resolve. No manager ever called me. On the XX/XX/XXXX call, I  demanded to speak with a manager immediately and only then a manager moved the amount that had been paid toward additional principal payment was reversed and applied toward my taxes and was told that moving forward the issue would be corrected. The XX/XX/XXXX statement showed that the reverses were made and monies were applied to the taxes. I have just received my XX/XX/XXXXmortgage statement and it is still not corrected. I 'm not certain why I have to beg a company to do something that was supposed to be done when they first purchased my loan. Please help. Thank you

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 09-08-2017 about Debt collection (Payday loan debt) with 2288984 Ontario Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been contacted by XXXX XXXX regarding an alleged debt that they are saying I owe. I have no idea about this debt and I am very frustrated that they have put this on my credit report. They have sent me a contract with typed name on it which is not a signature. Anyone could have typed this template contract up. They have still not responded to my letter that has been sent to them asking for a mac address id where this alleged electronic signature was generated from. XXXX XXXX have been very rude when I have been asking about this alleged debt. The contract says MONEYKEY but my credit report says XXXX XXXX XXXX which is two different companies,

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OK).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Starting in the year of XXXX I began to have problems with my student loan. At that time they would not allow me to make payments on the loan because they had put a bankruptcy on my account. It took them about a year of me and my mom calling them to get them it figure out that they had put the bankruptcy on the wrong account. The whole time during XXXX, they would not allow us to make payments but continued to charge interest to my loan. Ever since then my payments have been more than what I can make and more than the original agreed upon amount. When I called to try and get a lower payment, they kept telling me that " a forbearance was the only option for me. '' Not knowing that this would increase my payments, I had no choice but to do it in order to get a few months of relief in an attempt to catch up. I would constantly get email notifications from Navient telling me that I had options to lower my monthly payments, but when I called they would just tell me that the forbearance was the only option and they were unable to lower my payments. Recently, about two months ago, I noticed that my account said that my minimum payment was {$0.00}. So, I had assumed that they put a forbearance back on my account, but today I logged on to my account, I noticed that it was still at {$0.00} for the due amount when today should have been when the payment was due. I called Navient to see what was going on with my account and that is when they informed me that my account is on hold do to a law suit that was in progress. They told me that I can still make the payments on the account but the interest will continue to accrue. My loan balance has increased by {$500.00} in the course of two months. I then asked about lowering my monthly payments and he told me that I would n't be able to until XXXX and informed me that once XXXX came, I would need to start making a {$200.00} payment, which again is raising my payment and not lowering it, unless they can lower it for me in XXXX. Due to finances in the home, I can not afford a XXXX XXXX monthly payment nor can I afford to have my loan to continues to increase the way it is, I need monthly payments that are more affordable. I feel like I am being taken advantage of and I can not afford for this loan to keep on increasing, it started at {$12000.00}, and now it is at {$15000.00} plus, even though I have made many payments. If this continues I will be trying to pay this loan off for the rest of my life

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: On XX/XX/2017 I failed a 2 factor authentication for my Coinbase.com account. I had changed my phone number, and had not changed it on Coinbase, and proceding a hard reset of my phone I was no longer able to access my account. 

Since this date, I have filed numerous tickets, and called at the customer support number at least 7x. 

The entirety of the interaction is " we have assigned a specialist to this case ''. It is XX/XX/XXXX and I have not been given any indication that I may access my digital securities. 

I have completed all security checks, identification verifications, and have even created a new account at their behest to " transfer funds '' over to. 

I do not know what to do, as this is a considerable amount of my wealth and savings- and not having access to it is beginning to affect my standard of living.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: iHAD A MORGAGE LOAN MODIFICTION IN 2010 AT XXXX AT 5.65 % PRINCIPAL AND INTERST PAYMENT XXXX DOLLARS I HAVE SPOKE WITH A NEW MORGAGE COMP AND HAD 3 WAY CONVERSATIONS WITH MY CURRENT CHACE MORGAGE THAT CAN NOT GIVE ME AN ANSER TO WHY MY PAMENTS ARE THAT OF A 8 % RATE.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (NY).
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: I XXXX XXXX paid off a vehicle lease several years ago. However, the loan company Nissan-Infinity still has me reported with a balance of {$350.00}. That is not possible if this same company shows the lease status as a full termination. I have protested this reporting with XXXX and the matter was not sufficiently completed with a proper reinvestigation. Accordingly, I believe the matter should get resolved, whereas the balance should show as XXXX. This correction is necessary to fulfill the obligation of Nissan-Infinity with XXXX  under their subscriber agreement with the credit reporting agencies in general. This credit item needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am having this issue with transunion refusing to update the XXXX account that was discharged in bankruptcy on XXXX/XXXX/15. The dates as you can see are wrong as well as the account status that states - closed - derogatory. There is also a high balance showing of {$14000.00} which is supposed to be {$0.00}. This account should show {$0.00}, discharged in bankruptcy. It is misreporting and I have spoken with this credit bureau more than once in the past two weeks yet they continue to repeatedly tell me that it is supposed to report as derogatory when it is discharged in bankruptcy however this is not what I read the federal law to state. This misreporting of this account on my credit is causing me to not be able to obtain credit and has hindered me for over two years now.

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 01/30/2018 about Debt collection (Medical debt) with Avadyne Health Holdings, Inc (IA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: they keep saying that these accounts are mine without any prove. I have no idea what these accounts that are being reported on my credit report are.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (ME).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: In XX/XX/XXXX 2017 I submitted a form to switch from the IBR repayment plan to the REPAYE payment plan. It is now XX/XX/XXXX and my form still has not been processed. I have n't been able to make regular payments because I do n't know what my payment will be. I asked to be in forbearance until they processed the form, but it has been so long that now I am losing months towards my Public Service forgiveness. I get different answers every time I call, promises that the form is bring processed the next month, and then it is n't. I have been with FedLoan for a long time now, and every. single. time. I have to do something with them it is a nightmare and a headache. It is very, very stressful. Every year when I submit to have my payments counted towards Public Service Loan foregiveness they miscalculate my payments and I have to ask them to recalculate them, until they get it right. EVERY YEAR. I have friends who have the exact same problem. The mistakes they make regularly are criminal and nobody does anything about it. I have made a point to make smart decisions with my career and my money, and FedLoan makes it so, so hard to continue to do that. I 'm feeling really defeated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (WI).
Issue: Fraud or scam

Complaint: I was contacted by a person who wanted to purchase a XXXX I had posted on XXXX and he asked me to please request the money through paypal which I did, shortly after that I started receiving emails from paypal service with instructions on how I should send package and that money was in my account waiting for me to mail out package so they can give me credit on my account, I went ahead and mailed package as instructed and sent them verification as instructed in emails, however it was all a fraud, I am not blaming paypal for the fraud but I have contacted them on XX/XX/XXXX and XX/XX/XXXXand requested for them to investigate who this person is, they must have an account with Paypal and they have not even tried to help me with this situation, I am out XXXX and they do nothing to stop this person by shutting down this account so he is not able to do this to other people, I sent the emails the buyer sent me and they tell me they are not fraudulent? so then where is my money??

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: Dear XXXX, I 'm writing to report on the illegal close of my Home Equity Line account ( Account number XXXX ) with the Bank of America last month. 
Since I opened this account in 2015, I used it several times and paid all the balance back. I need this account in the future. 
I have contacted the Bank of America many times and was told to wait for 10 days for this account of mine to be reopened. However more than XXXX days have passed, I have not got my account back, yet. 
Please investigate what happened within the Bank of America and help me get my XXXX XXXX XXXX account back. 
Thank you! 
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 07/27/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Taking out the loan or lease

Complaint: i bought the car 2008 XXXX XXXX I about XXXX years I have all problems with car Ishould have take I back I was never happy with car. there is a lot things with it .now Ido n't never when to drive it I thing going break down.i have take XXXX or dealership theysaid there a lot things wrong with it they just give me XXXX for the car.so I call XXXX XXXX were I got the car will help me they said send letter to trade in XXXX done went to get a car from there just talk me in to get this we here them just the carhad not check when send the letter trade will give XXXX for it now they will not help meI have told them I do n't went outher care from there. customer service so bad there. 
so I need your help me. I can not drive this I think got live strangit outher.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: I recently tried to sell my car at XXXX in XXXX. The car loan has been paid off for several months, maybe even a year ( I ca n't remember the exact date when I paid it off ). The car was originally purchased in XXXX & the title is from XXXX. The car is currently registered in XXXX & when XXXX looked it up in the dmv system they said it still shows that the car is owned by Nissan and that they needed a notarized letter from Nissan stating that the car was paid off. When I contacted XXXX finance and asked for a notarized letter they stated that they do n't handle lien releases and that I would have to file the request through XXXX. I did exactly as I was told and after paying {$45.00} for an expedited request, I received the lien release almost 2 weeks later. The actual document is not notarized and therefore not accepted by XXXX. It looks like something I could have produced on my home computer. During my 2 week wait for this lien release I contacted Nissan again because the request was taking too long. They said they would send me a letter but it would not be notarized. At this point I am running out of options. I ca n't sell the car because Nissan is n't willing to provide a notarized letter. The car legally belongs to me, after all it 's been paid off for a while. I do n't know what else to do but this is costing me too much time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Managing the loan or lease

Complaint: In 2007 my ex-wife and I divorced. I had XXXX vehicles under my name which were with XXXX XXXX XXXX as the cosigner, and Bank of America which I was the primary. The divorce proceedings lasted almost two and a half years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both XXXX and BoA gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after seven years has past from the XXXX deliquent reporting which was XXXX 2007 for BoA, and XXXX 2007 for XXXX. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The XXXX years has now past, and I have disputed the information with all three credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XXXX and XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the seven years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the XXXX delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering. 

Bank of America acct # XXXX # ending in XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: To Whom It May Concern, I received a notice of data breach from XXXX on XX/XX/17. This included accessing supporting documents that may have included my government issued id, home address etc.
Due to the sensitive nature of the information revealed in the data breach, I have requested from all 3 reporting agencies including XXXX remove all of my private information from its and its affiliate servers and anywhere/all places that information is stored. This information, including my name, social security number and accounts are being stored without my consent and to please remove and destroy any and all information immediately. 

They have not complied. 

Sincerely, 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