milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Settlement process and costs

Complaint: Good afternoon. In XX/XX/XXXX we began a refinance process with our current mortgage company, Freedom Mortgage. Of course, as requested, we submitted all paperwork and documentation as it was requested and in a very timely manner. We were told that we would close on several different dates, all of which never happened. Yesterday we were told that our rate had expired and that we would be responsible for the penalty even though we had followed all of the directions and requests. The penalty would increase our mortgage payment by over {$100.00} a month ... .not making any sense to refinance if that 's the case. We were told even though we had done what we were responsible for, we would pay the penalty and there was nothing they could do. Unacceptable

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (AZ).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX went to a XXXX XXXX bank in XXXX to report a stolen payroll check ( from ADP, INC ) which was cashed with a forged signature. ADP uses a XXXX XXXX account in Arizona. she simply wanted to know, what should she do, and what could well XXXX do to help? The attached PDF describes the visit in detail. 
A notarized Forged Endorsement affidavit has been files with ADP. a XXXX XXXX bank copy of the stile check is included in the PDF. The complaint is for the type of treatment XXXX received, and the lack of profession help from the bank representative. 
Based upon our experience so -far with XXXX XXXX XXXX we have low expectations that our complaint to be taken seriously by the phoenix bank. But we are filing the complaint anyways XXXX XXXX, brother-in law to XXXX XXXX XXXXXXXXXXXX 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All of my personal information used on my credit report was stolen from Equifax. Instead of immediately alerting the US citizens it affects ( over half the US adults with credit ) they took 5 weeks to alert anyone and seem to have used that intentional delay to participate in insider trading. 

Even after the breach was made public, I have not received any written notice via mail or email that my identity was compromised. I had to look it up myself after hearing a story on the radio. Because they are only offering a year of identity protection, which is incredibly insufficient to cover the data that was stolen I must now pay them to freeze my credit. Equifax will benefit billions if all affected adults choose their only option right now, to freeze their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
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 am writing concerning my experience with Capital one that is both a grateful Thank You and a pressing request concerning a tradeline in my credit files that I would like to have revised. 
I have had my Capital One Mastercard for almost a year now and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, in XX/XX/XXXX, I was 30 days late on my payment. I was on XXXX XXXX XXXX from my job for 6 weeks in which I received 60 % of my salary which led to this 1-time lateness. I am the  sole provider for our family. I did use what little savings I had to cover our living expenses but, this left us in an unfavorable position financially. Concessions had to be made and regretfully, this led to a late payment on my Capital one MasterCard account. 
The shortage of income, even though it was a short period of time was a brutal wakeup call for me concerning financial responsibility. Since that incident, I have learned the the essential organizational and financial management skills I desperately needed at that point and my payment history since XX/XX/XXXX reflects that. I wish to thank you for your renewed confidence in me for giving me a second chance at a positive relationship with Capital One, one that I am determined to keep untarnished.

My wife and I are about to begin the process of purchasing a new home, and it has come to my attention that the late notation from Capital One may prevent me from taking full advantage of the best interest rates available. Since that notation does not reflect my status with Capital One, I am requesting that you please give me a second chance at a positive credit rating by revising that 1-time late payment from XX/XX/2017. I simply hope that there is redemption at Capital One, and I plead for such consideration. 
I have called Capital One explaining my situation about 2 months and the service agent told me that if set up AutoPay and dispute it with all 3 credit Bureaus that they would not answer the dispute thus having the credit bureau change that 1-time lateness to a positive. I have tried that and nothing happen. So now I am reaching out to you with this letter. 
If any additional documentation would assist in reaching a positive income, please feel free to contact me. 
I thank you again for the time you have spent reading this correspondence. 
Very Hopefully yours,

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have requested a recast of my fixed rate conventional mortgage loan. The investor is NOT XXXX XXXX or XXXX. It is my understanding it has been sold to a private investor and serviced by Ocwen. I have been told my loan does not qualify for a recast but they refuse to tell me if this is an internal guideline or a regulatory requirement. I have not requested an extension of the term, only that the loan be recalculated on the new lower balance in order to lower my payment. If there is a regulatory ruling that prohibits the servicer from honoring my request please direct me to the publication I may review so I can better understand their position. The only thing that would change on the loan is a lower principle balance and the newly calculated payment amount. These funds are coming from a probate settlement from my deceased Aunt. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: In XXXX, I was given bad advice and took an interest only loan on a 2nd residence that I purchased in Arizona.

The Loan was from Nationstar, which is now called Mr. Cooper. 
The economy crashed in approximately XXXX and the property value plummeted. 
I spend countless hours on the phone with Nationstar prior to the loan coming to term. I made them aware that I was in trouble and needed help so that this property did not go into foreclosure. I tried desperately to get them to work me. 
The loan was eventually refinanced into a VARIABLE rate loan.

values continued to decline.

Interest rates and my mortgage pmt have conuinted to rise.

I was told on two separate occasions that they'd refinance it, only to be denied. 
I'm loosing $ XXXX monthly on this property .I 'm not going to be able to maintain this loss. 
I was told I had no other options but to request modification. 
XX/XX/XXXX I submitted the Uniform Borrower Assistance Form requesting a loan modification. 
I submitted HUNDREDS of pages of additional documentation. Every time I gave them what they requested they asked for something else. COMPLETE RUN-AROUND My contact at Nationstar : XXXX XXXX XX/XX/XXXX FIVE MONTHS LATER, I received a denial letter for the modification. 
Denial reason : Ineligible Mortgage I immediately contacted XXXX XXXX because I DID NOT Meet ANY of the definitions for an Ineligible Mortgage. 
She told me she could not explain why I was denied other than the reasons stated in the letter and that there was no one else I could speak too. 
I was told there was no other options. 
I have spent YEARS asking for Nationstar/Mr. Cooper to help me keep this property from going into foreclosure.

Nationstar/Mr. Cooper has refused to help me, leaving me to destroy my credit, go into short sale or foreclose, and become another statistic of the crash of the housing market.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Consumer Loan (Personal line of credit) with BB&T CORPORATION (FL).
Issue: Account terms and changes

Complaint: I have had a long standing, perfect pay history, line of credit with XXXX. It is important to maintain a good credit score and I monitor mine. XXXX pulled out of Texas and sold all branches to BB & T. As a result, my 8 year, perfect standing, on-time payments, very low balance, line of credit with XXXX was closed and moved to BB & T. The problem is that BB & T now shows a new line of credit. The CFPB should dictate that when banks move accounts between each other, the acquiring bank must use the original open date of the credit / loan. The time the loan is open, on-time payments, and low percentage outstanding all contribute to a higher credit score. With NO action on the consumer 's part, my credit score went down by over XXXX points month-over-month because the several positives with XXXX, became slight negatives with BB & T ( new credit, new credit inquiry, no payment history ). No other changes occurred on my credit reports ( except slightly lower balances on month-end cycles on XXXX credit cards as compared to previous month - which should have resulted in an increased credit score ). In my case, my excellent credit rating went down to good but many other consumers would have been more detrimentally impacted. This is an opportunity for the CFPB to make the banks change their account conversion / account acquisition practices, and methods to not negatively impact the consumer. Of course the consumer credit score effects the rating and interest rate on new credit, extension of credit, etc. This complaint should be directed against both XXXX and BB & T.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Trouble during payment process

Complaint: Based on my research, my previous mortgage was with GMAC, which is no longer in business and later discover a third party debt collector, which I have been paying the monthly alleged mortgage on time consistently, I 've notice that in XX/XX/XXXX 2017, which is 1 month of monthly payment was not applied and the payment was returned back to me. However I am paying my taxes and insurance myself on time and no longer in escrow. I also receive more information in regards to Ocwen loan servicing is in violation of Respa, Preditory, Truth n lending, and no consent order or license to collect a debt in the state of Maryland under MD Commissioner Finance office as a third party debt collector. which needs to investigated more.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with American Capital Enterprises, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There were several disputes back and forth regarding service that were not rendered. A settlement of {$1200.00} was paid XX/XX/2016. They sent a new statement on XX/XX/2016 that they found new charges. I called and they said they just found them. I explained that our account has been settled and paid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are three inquiries that are reporting on my TRANSUNION credit report that i did NOT apply for. I did not allow anyone to use my information. Someone is trying to obtain goods using my personal information. 


XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/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 explanation
Consumer complaint received 01-09-2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My account had a restaurant charge on my debit card.  However, I did not realize the restaurant did not put in the tip amount.  So, this resulted in a $XXXX overdraft on my account which cost $XXXXI think to charge $XXXX is gouging, when they could have sent an email alert to clear up the $XXXX  overage.

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 05/20/2016 about Consumer Loan (Installment loan) with EQUIFAX, INC. (GA).
Issue: Shopping for a loan or lease

Complaint: My student loans where all consolidated into XXXX loan I was told that it will clear off my credit report to show as paid in full however I 'm shopping for home loan in because of this error I 'm unable to receive loan can you please assist me with this task. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: I am having a problem with Santander Consumer. They are reporting late payments on a vehicle loan for which I have paid off. The account is closed. However these negative payments are adversely affecting my credit score and causing me to be turned down for credit. I have no such knowledge of all these late payments. I wrote to Santander on XXXX XXXX, 2016 disputing these late payments and asking for validation of such late payments. I have attached the letter. It was sent Certified mail and signed for by Santander Consumer on XXXX XXXX. 60 days later and I never received a response. Santander failed to provide validation and they violated the Fair Credit Reporting Act by not providing the Credit Bureaus a notice of dispute within the required time frame as evidenced by my credit report dated XXXX XXXX, 2016 where the account was not marked disputed which I have also attached. According to FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). 
As Santander Consumer is violating federal law ( and they still have not marked it disputed more than 90 days later ) and causing damage to my financial well being, they should remove the account and /or late payments from the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Constant phone calls when the account rolls past due. My payment is due on the XXXX of the month and I occasionally need to make the payment late due to the fact that I am paid on a bi-weekly basis. 

Recently, my account rolled past due, but I scheduled a payment that would be withdrawn from my bank account on XXXX XXXX, 2016. This payment was scheduled on Thursday, XXXX XXXX, 2016. 

Despite the fact that I scheduled a payment, the phone calls persisted. Between XXXX XXXX, 2016 and XXXX XXXX, 2016 I received a total of ( 17 ) calls from Citi regarding the account. I did n't answer most of these calls as they called while I was either at work or driving my vehicle. 

The phone calls are OUT OF CONTROL. There is no need for them to call me this many times, especially given the fact that a payment was scheduled. This is n't an isolated incident as this has happened to me every time my account has rolled past due. 

I would like to see this matter investigated as I ca n't be the only person who has this issue with Citi Student Loans.

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 03/22/2016 about Debt collection (Medical) with N.A.R., Inc. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am disputing this debt because it is not mine, I did not receive any services from XXXX. I signed a prescription purchase agreement for and in behalf of my mother XXXX, on XXXX/XXXX/14, having her Power of Attorney, for her healthcare. XXXX turned me personally over to N.A.R. collections for this bill. These prescriptions were for my mother, she being the patient at the XXXX Idaho, the pharmacy would not provide services unless the agreement was signed. XXXX had XXXX XXXX number and was instructed to turn the bill in to them at the time of service. XXXX was completely covered by XXXX at that time. XXXX has been deceased since 2014. I want this collections charge reversed as it is not my responsibility and is affecting my credit rating. N.A.R. has contacted me demanding I personally pay for these charges because I signed the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Medical) with Medical Business Bureau (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have resided in my home for over seven years and have not relocated. My credit report reflects that i have outstanding medical bills in which I have never received any validation of the debt, explanation of benefits or the option to resolve the 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 04-04-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Shopping for a loan or lease

Complaint: I got a rejection letter from Capital 1 Auto Finance, dated XXXX/XXXX/XXXX, reference number XXXX, for a loan application from XXXX XXXX on XXXX/XXXX/XXXX. The reason for not approving my request was " there are too many delinquent past or present Capital One credit obligations. '' I do not have nor have I ever had any Capital One credit cards. My sister in law, however, does and she has poor credit. XXXX XXXX XXXX, dob XXXX/XXXX/XXXX, new married last name XXXX. She used to live at my husband 's and mine current address XXXX XXXX XXXX, XXXX, NC XXXX. Somehow Capital One has confused our XXXX separate identities and now it is affecting all XXXX credit reporting companies!

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Payday loan () with CURO Intermediate Holdings (LA).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for this payday loan in XXXX of 2014. I borrowed XXXX. At least I thought this was a payday loan. I told them I received my pension on the first of each month. I have been paying XXXX a month for an entire year. So far I have paid XXXX dollars on this loan with only XXXX going towards paying off the loan. I did not know this when I took out the loan. I am on a fixed income right now and this is destroying me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Mortgage (Other type of mortgage) with QUICKEN LOANS, INC. (VA).
Issue: Closing on a mortgage

Complaint: I applied to Quicken Loans for a refinance, combining a 1st and 2nd mortgage in XX/XX/XXXX Although I found the process extremely invasive, at first everything went smoothly due to my excellent credit. I was offered a conventional loan which I found acceptable. 
After about 6 weeks, my closing was scheduled on XX/XX/XXXX However, IMMEDIATELY after closing was scheduled, a judgement " suddenly '' appeared against my ex-wife. I had been divorced for 4 years at this point. 
I had submitted a Divorce Decree, and a notarized Quit Claim Deed to Quicken, which clearly removed my ex-wife from all claims to the property. None of this was honored. 
I believe that Quicken knew about this judgement, and colluded with my 2nd lien holder to make it appear, so that I would be pressured in to financing it. 
Quicken then made an offer which required me to pay for my ex-wife 's judgement at closing. I rejected this offer, expressed my extreme distrust, and indicated that I was done with Quicken.

In spite of my rejection of them, and expression of distrust, Quicken then offered me another product, an FHA loan, which was completely unacceptable, and which I outright rejected. 
So, after a mysterious judgement suddenly appearing, and my subsequent rejection of Quickens offers, they send me a letter saying that I was " Denied '' financing due to my credit. 
I rejected them, repeatedly, yet they are reporting that they denied me! Furthermore, they said that they would not report this to any Credit Bureau! 
How is this possible? How are they able to lie like this? 
I have entire email streams that prove they were consistently trying to finance me, and that prove that I flatly rejected them. At the time that they created this fiction, my credit score was XXXX. 
My complaint is that Quicken has lied about the nature of the refinance not happening, and that they knew about a pending judgement, but hoped to use it to their advantage. 
I've attached documents which prove that they created a false pretense for the refi not happening

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: the school went out of business and declare all debt uncollectable

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