milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2017 about Mortgage (Conventional home mortgage) with MIDWEST EQUITY MORTGAGE, LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I started a cash out refinance wi th Midwest Equity Mo rtgage  LLC on    XXXX   at 3.75 % for a 30 day lock for {$420000.00}. I provided all requested documents within 1 day. The file was opened in the encompass loan center on   XXXX  . There were several delays during the process due to them. I have emails where they are stating that it was no delays on my part but theirs. The loan  officer  was out for 3 days. Also, I was told that it only takes a max o f 72hrs  to be reviewed by the underwriter, but it took over a week. Now today, my loan officer contacts me and says that they need a little more supporting documents to show assets  (  which I already submitted  my 401k statements and 401k  disclosure on  XXXX  to the encompass loan center portal ), and that my loan will not close within the 30 day lock period and the lender is not willing to extend my lock, thus they need to go to the open market where the current rate is 4 % ( which also does n't make sense, because the rates have only gotten better since the date I initially locked the rate ). I feel that because I had locked a great rate, they are trying to not honor what was promised, and switch the rate higher at the very last minute to make more money. Essentially pulling a bait and switch at the very last minute. I feel that they should honor the original rate, since they are the reason it was delayed. Not to mention it is only the   XXXX   and there should be enough time to close by the   XXXX   ( which they are saying that we cant close in time ). Also, they are saying that the lender is not willing to extend the rate, which makes no sense either. I definitely think they are being dishonest to make more money out of this refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (PA).
Issue: Shopping for a loan or lease

Complaint: I checked my credit report and I see that this company name American Credit Acceptance is reporting to all XXXX credit bureaus stating that I owe them a debt, that I do not owe. I never did business with this company that is reporting to the credit bureau 's. They are saying I purchased a car from theme and I did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: I demand that Wells Fargo provide me the following documents in that they have no contract with me and do not own the mortgage or home they have violated the SEC rules and regulatins and the FHA laws. They have securitized the loan into hedge funds and continue to harass and threaten even during my bankruptcy. 
I want full accounting of this loan Deed of trust Chain of title full legal servicing of loan full accounting of loan All equity in property Refund of all money submitted for payment by me on this account made Payable to I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they have and can not produce the original note because they have securitized the mortgage which is illegal they are committing fraud and perjury. I want to see an official wet ink signature showing where I signed for the loan. This bank has commited fraud on several accounts.Again I am respectfully demanding that the bank show Tila agreement, show the sources used to assign this loan I was bamboozled and a victim of predatory lending. 

A complete statement proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan and or loans Deed of trust Chains of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan original statement form XXXX on this account Wells Fargo has taken advantage of me and other XXXX home owners across the country. They have falsely certified and submitted ineligible residential mortgage loans for FHA insurance. I want the owners of this company arrested and locked in a prison without bail. I also demand a full refund and XXXX dollars in settlement for pain and suffering and harassment because they violated the FHA laws and used predatory lending practices

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 05/19/2015 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (GA).
Issue: Managing the loan or lease

Complaint: Jaguar Credit is listing inaccurate information on my XXXX & XXXX Credit Reports. I have written to the credit reporting agencies in an effort to resolve this inaccurate reporting information, but with no success ( Exhibit # XXXX ). Jaguar Credit was listed in my Chapter XXXX Bankruptcy filing dated XXXX/XXXX/2012 ( Exhibit # XXXX ). Jaguar Credit is in violation of federal law and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Credit determination

Complaint: I have credit cards with XXXX XXXX XXXX, Chase, XXXX Bank and others. I paid for the protection insurance if I lost my job or was injured, the amount owed would be removed. None of them honored this policy and I paid extra for this service. I provided them with the documentation from the unemployment insurance of California yet I am constantly harrased and threatened by their agents relentlessly. They have called my relatives, friends, even my church. It seems that they have a copy of my phone bill and called every one that I may have had contact with. I do not know what to do as I took out the insurance policy with each of them and they should honor it as I paid for it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (WI).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX my direct deposit was removed by ocwen. They said that I did not submit paperwork in time. I set up automatic withdrawals from my bank account and faxed the forms that they claimed they never received. XX/XX/XXXX My monthly payment was returned. I was told that it was returned in error and to resend it. They kept XX/XX/XXXX payment then XX/XX/XXXX payment was returned. I continually have gotten the runaround In XX/XX/XXXX a monthly payment was kept by Ocwen but the reversal of my Loan modification never was reversed as promised during a XX/XX/XXXX Email. All of my payments have not been applied to my account. I was told during one of many many phone calls to Ocwen that the employee handling my account was fired and my account fell through the cracks. This has caused me tremendous stress and I could not afford to fall behind on my payments. I did not have the funds to catch up. In addition I would like full credit for all payments made. Ocwen system shows that they have not received a payment since XX/XX/XXXX. Their system is inaccurate and I have receipts that show that I made payments up until XX/XX/XXXX when my payments kept being returned to me after I was told they would not be. In XX/XX/XXXX a representative told me they show that I was in arrears since XX/XX/XXXX and my only option was to pay the arrears. I recently received a court notice of foreclosure. I plan to seek legal representation if Ocwen does not rectify my records.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: APR or interest rate

Complaint: i have home depot credit card, this credit card charge 26.99 % interest .is this legal .can they charge what ever interest they want. i cant charge what ever i want .please investigate this credit 26.99 %. this is highway rubbery.this is not right.where is consumer protection against loan shark.

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 02/21/2018 about Debt collection (I do not know) with Orions Management Group, LLC (NH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received several voice messages from a XXXX XXXX from the beginning of XX/XX/2018 to present stating to call about important documents to discuss and that it was a time sensitive matter. Threatening that must be called back or would " proceed accordingly '' and states that he has legal documents on his desk just waiting for him to file. Calls me several times a day with the same thing saying that I must call back that same day. I have had to block their number through my cell phone provider. They are also harassing me at work calling me several times a day and I have asked them to stop but they won't. 

They are constantly calling and harassing me stating that if I don't answer by the end of their day they will have no choice but to act according and file the legal documents they have on their desk. They have been calling several times a day for a couple of weeks now and are even harassing me at work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Just about 9 years ago i underwent " training '' in the field of the XXXX. I was psyched about pursuing a career in XXXX, and til '' this day i feel as though i was scammed out of my money. 
After " graduating '' i found myself w/ no job placement assistance and no guidance from staff / counselors on how to improve my resume / reel for a better chance at succeeding. 
The equipment was outdated, the instructors ( XXXX XXXX ) to be precise, was also quite antiquated in his teachings, and was n't quite moving w/ the speed of technology. Most of his experience was with older models, so it was hard to go out on the field and not know all the glits & gadgets that were used in " today 's time/ '' Much of the XXXX equipment we used, was n't comparable to that of the equipment real XXXX were using, so it was a challenge to navigate through an " on the spot '' test when i was out interviewing. 
Even while attending school, my classmates and i heard complaints about the school, but we were so eager to get " our foot in the door '' that we pushed through. 
i '' ve kept in contact with almost everyone in my graduating class, and out of all of us, only XXXX person is actively in the field, employed & successful. 
Luckily for the rest of us, we were able to find other promising jobs in other fields, but i know i am not alone when i say i feel scammed by this school. 
I struggled with job stability, and with no help form XXXX XXXX, i found myself unable to pay my loan back. This has affected my credit drastically, and i am still working hard to build it. I must admit that i 've made little attempts at getting my student loan account in good standing, primarily because i am just now finding stability in my life, and so many other things were put in front of this. 
I owe more now, than i did when i first got the loan out, because my interest rate is through the roof. 
I would n't recommend this school to anyone, and honestly, i am one to give everything an honest chance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX - {$170.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XXXX/XXXX/2016 please remove accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Mid West Recovery Systems has attempted to collect a debt which should have been paid by my former employer 's worker 's compensation insurance company- XXXX XXXX XXXX XXXX XXXX XXXX . The company which Mid West Recovery Systems is  representing, XXXX XXXX, has been provided with the proper Worker 's compensation Insurance information. They should not continue to report the information to the credit reporting agencies. They are currently in the process of recovering the debt. 

The debt in question was a result of workplace injury- a workman 's compensation claim. My former employer 's insurance company should have paid for the debt. They claim they never received a bill from XXXX XXXX. XXXX XXXX has since sought payment through XXXX XXXX  XXXX XXXX XXXX. Prior to damaging my credit, XXXX XXXX never attempted to contact me, or my former employer before reporting the debt to the credit reporting agencies. 

My credit score has decreased by 50 points since the collections account was reported. I believe it is unfair that my credit should be damaged simply because large corporations cant communicate more effectively. I was also never notified of the outstanding debt prior to it going to the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Several items I have only seen a few because I was denied online view. Credit cards I have never had and other debts that make no sense biking amounts. I 've car loan not mine my car was given to me by my mother it was 1993 since last cart loan. I had lost many ss card birth certificate and dl card after my motor home was towed and sold while I relocated to another state. Please he 'll this is scaring me. This is the only information I hand from the XXXX credit company s

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Caliber Mortgage LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Today I received the attached letter from Caliber. They have requested an authorization in order to be able to speak to me regarding their refusal to follow Bankruptcy Law. I had to explain to them that the reason they do not have an authorization on file is because they DELETED ALL THE DOCUMENTS WE SUBMITTED FOR THE SHORT SALE. 

****THEY HAVE DELETED ALL THE DOCUMENTS WE HAVE SUBMITTED FOR THE SHORT SALE. 

This is a violation of federal AND state law. 

What else have they deleted and from how many client files??? What are they trying to hide??? 

Apparently Caliber feels they do not have to follow ANY type of laws whatsoever - not Bankruptcy Laws, not Federal Laws and not State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Debt collection (Medical) with Action Professionals, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was paid and removed twice already yet it 's been placed back on my XXXX report. This account needs to be removed for the third time and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint: To Whom it may concern, On or about XX/XX/XXXX my wife and I were vehicle shopping due to the necessity of a reliable vehicle and were told numerous times that a XXXX XXXX holds it value prior to purchasing this vehicle. I moving forward with this understanding in mind having negative equity of {$3000.00} on a vanXX/XX/XXXX. The XXXX XXXX that was shown on this date which used the most manufacturer rebates was said to and I quote " Eat up was was negative in the vehicle prior '' was the Opportunity of a Life time. This seemed like a great opportunity for a hard working Service member and his family. My wife and I at this time were and still are re-establishing or rebuilding our credit and were told several times that we are taking the opportunity now to get back on track with rebuilding and would be able to refinance this vehicle with a lower payment and lower interest rate. The interest rate that was given was a 12.57 % interest rate and a monthly payment of {$700.00} cents. The total sale price of this vehicle with a down payment of {$910.00} dollars came to {$51000.00} at the very end. I am an understanding citizen that I am and was rebuilding my credit at this time, but this fine print was not understood and sales men tactics were used on a simple XXXX XXXX. I have made several payments on time since this tragic day in XX/XX/XXXX in the amount of {$700.00} each month. I have payed in over {$6000.00} dollars towards this vehicle. I am now {$16000.00} dollars now upside down today XX/XX/XXXX. When I spoke with Capital One on XX/XX/XXXX to refinance the vehicle loan as they originally stated. When no resolution was given. I called and stated that I would have to voluntarily surrender this {$18000.00} thousand dollar appraised vehicle XXXX XXXX according to the dealers. Capitol One assured me that vehicle would be auctioned off and all debt that was left after the sale. I would be still be liable for which is in excess of {$16000.00} dollars. I believe this to be a fraudulent sale. I believe in my opinion sales tactics and customer pressure were heavily applied into this contract and under false pretenses by Capitol One. I am at a loss for this company and how they gave false perceptions to a hard working service member and veteran. I hope my future and financial freedom are still intact after this surprise attack.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (FL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: My account was disable 2 weeks ago. Coinbase requested scanned copies of driver license and proved of address verification. Information was entered multiple times. I still have no access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Payday loan, title loan, or personal loan (Payday loan) with CHECK INTO CASH INC. (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I went into Check Into Cash of California, INC On XXXX XXXX, XXXX to get a loan I was approved for cause online said I was approved when I did my application and to go to the store I have the email to prove this while at the store they said I had took out a loan in XXXX which I never did and it wen to collections so I called the number they gave me called XXXX XXXX and said its no longer their this is what the office told me but I further investigated and told them I never lived XXXX XXXX I lived in XXXX and I found record the corelogic/fronthit and saw this loan is XXXX XXXX XXXX in which they misrepresentation saying I was approved wasted my time and mislead me to believe I was approves this loan was in XXXX XXXX XXXX # XXXX they should not mislead consumer to get up dated information and prey on vulnerable people needing help this old account was off my credit charged of on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (Medical) with Capio Partners, LLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Capio Partners , LLC is a collection agency who bought an account from XXXX XXXX XXXX in XXXX XXXX for medical care that was rendered on XXXX/XXXX/XXXX. Capio Partner, LLC is reporting the date in XXXX XXXX as the date this account was opened opposed to the original date of XXXX/XXXX/XXXX. Also they are showing this account delinquent in XXXX XXXX opposed to XXXX/XXXX/XXXX. They have re-aged this account which is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am showing a 30-day late payment on all my credit files for an account at XXXX. The late payment shows XXXX 2014. However, I have been enrolled in automatic payments with XXXX since XX/XX/2014. SEE attached letter from XXXX. This error is on XXXX, not me. I have never had a late payment. PLEASE DELETE A 30-day Late Payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Mortgage (FHA mortgage) with Prospect Mortgage, LLC (IL).
Issue: Struggling to pay mortgage

Complaint: I was a bonifed tenant for the property that went into foreclosure. I signed a contract stating I would be out by XX/XX/XXXX and I was. I was never paid.

Company response to consumer: Closed with explanation