milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: Applied for a harp refinance with loan depot. Was advised I could not refinance under harp because of a charge off for XXXX on another loan having nothing to do with the residence. After finding out there was no charge off I submitted paperwork to demonstrate that this was not true by means of a recent statement which i forwarded to them indicating I owed XXXX. I was told that anything over XXXX in deliquency does not qualify for XXXX approval. This is under XXXX but I am now being told that they have special overlays for me and will not approve loan. I am XXXX individual and believe this is discrimination. I was told that if it wasnt for this I would be approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Bankruptcy

Complaint: Bank of America is falsely reporting to credit agencies that XXXX accounts I had with them were discharged in a Chapter XXXX bankruptcy. They were instead included in a wage earner ( Chapter XXXX plan ). The notation of Chapter XXXX is negatively impacting a mortgage application I have pending because while it is permissible to obtain a mortgage with a Chapter XXXX it is not with a Chapter XXXX. This is a clear violation of the Fair Credit Reporting Act. These are the improperly reported accounts as they appear on my XXXX credit report : Bank of America XXXX Opened XXXX XXXX High Credit Limit $ XXXXXXXXBank of America XXXX Opened XXXX XXXX High Credit Limit $ XXXXXXXXBank of America XXXX Opened XXXX XXXX High Credit Limit {$3000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer changed to SPS in XXXX and there have been nothing but problems ever since. 

They do n't process my payments correctly They printing erroneous statements They refuse to answer questions They refuse to XXXX me the record of my past payments. .. 
Now, they are illegally changing the interest rate and payment amount every month when that is allowable only once per year ... .. 

It 's outrageous!!!! 

I 'm XXXX. Never missed payment in 16 years. 
I want them fired ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Mortgage (Conventional home mortgage) with CARDINAL FINANCIAL COMPANY (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I'm in day 76 of a refinance. I have been told 4 times that I was approved upon a few conditions. Every time the conditions were meet and then comes a new set of conditions.They have lied 4 times and are charging new rate locks.There is no way they can turn me down because of my income and credit. So they go on and on with the lies.I have looked at the terrible reviews and now see what they are doing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Other mortgage) with 21ST MORTGAGE CORP. (IA).
Issue: Loan servicing, payments, escrow account

Complaint: I opened a mobile home mortgage with 21st mortgage. I make more the minimum payment every month but the overage is held in suspense instead of applying it to the Principal of my loan. I have to call in every month to have them apply the overage to the principal amount. Any overages should automatically be applied directly to my principal. 21st Mortgage suggested I mail in a payment instead of paying online and include a note to apply it to principal. Mailing a payment is less reliable and costs postage as well as time. The online payment is reliable and free. I also have not received a statement to-date and believe I should be receiving these monthly with a break down of my principal, interest, escrow and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: banks reporting wrong as the insurance on these accts paid the acct in full but the banks are still reporting falsely these accts should be deleted as it is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I recently be came informed of the National City Bank settlement, which charged XXXX and XXXX borrowers higher prices on their mortgage loans between XX/XX/XXXX-XX/XX/XXXX. According to the National City Consent Order Administration, I was told today that since my name and address was not listed, therefore, I was not sent a form package to submit by their deadline XXXX XXXX, XXXX. It seems that both National City Mortgage omitted me from their package information distribution settlement ; although I paid 6.75000 % interest in XX/XX/XXXX and in XX/XX/XXXX paid 8.7500 % on a fixed mortgage according to my print outs from their website. During this period, multiple changes of account numbers, multiple payments to National City Mortgage and countless issues. 
All long, PNC Bank, negotiated the acquisition of National City Mortgage purchased in XX/XX/XXXX, but did not reveal itself until XXXX XXXX or XX/XX/XXXX to its ' borrowers. And I am facing Foreclosure under PNC Mortgage with no relieve in XX/XX/XXXX. 
As for the settlement, if the borrowers were not made aware of the settlement by National City Mortgage and PNC Bank was fully aware of this response time frame as well ; why was this information not disclosed to all borrowers. It seems that non-disclosure limited their liabilities to select who they were reimbursing the XXXX settlement. Why was I not informed nor participated in this settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a Public Record listed on my credit report that is inaccurate and incomplete such as a Bankruptcy that Equifax is reporting. The federal law requires that the credit reporting agencies provide mechanisms to ensure that each item on my report belongs to me and is accurate and complete. I have requested from Equifax numerous times for VALIDATION that is competent evidence bearing my signature, name, address and telephone number of each person they have contacted to VALIDATE this bankruptcy and they have failed me only to return stating that it has been verified with no substantiation whatsoever. I have received a letter from Federal Bankruptcy Courts stating that they DO NOT report information to the credit reporting agencies, but yet Equifax is saying they have verified it with Federal Bankruptcy Courts, and I know they do n't because the information they are reporting is inaccurate and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (I do not know) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Collection Information Bureau , Inc . XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me -Signatures on applications and accounts -Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (I do not know) with HOVG, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Bay Area Credit continues to call my place of employment even through I have asked them not to contact me at work.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to contact or submit a complaint as I have been trying to find out why my credit report from Equifax is being denied -- as it says there is no information about me. 

All other XXXX entities like XXXX and XXXX i am able to pull my credit reports, but no Equifax. 
I have trying to contact, but to not avail and their support just keeps saying i need to buy a subscription to be able to see my credit. ( how can I do that when I not even able to pull my credit from the XXXX ) Just no sense, I just would like to check what the issue and correct it so my credit checks dont keep getting rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Consumer Loan (Installment loan) with MIDCOUNTRY FINANCIAL CORP (GA).
Issue: Managing the loan or lease

Complaint: I am military and I am going through a hardship right now with my wife going back and forth to custody court for her daughter and her father had XXXX her. All my creditors are working with me to get lower payments except for one Pioneer Services. They unwilling to work or budge at and they state that they are in support of the military i have asked many times and contacted them many times with no resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (ME).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was told my Sallie Mae that I had to make account past due and wait for collections to contact me before I could try and change my rate. The only other option I was given was forbearance, which only makes the problem worse. I ca n't pay this loan and have enough money to start my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Payday loan () with ACE CASH EXPRESS, INC. (ME).
Issue: Can't contact lender

Complaint: XXXX months ago I got a payday Loan with Ace Cash. I got XXXX extensions with them. I was about to make a payment and went into their website to do so. I could not log in to their site. So I called and the customer service person told me that they no longer gave pay day loans in Maine and that is why I could n't. So I asked her if I could make payment arrangements with her and she said no I am sorry. I might add that I had XXXX more times I could make payment arrangements. She said that they would be debting the full amount of the loan which was XXXX on the XXXX I said i could n't pay that and she said well stop payment on it and we will make payment arrangements with you. I did just that. Now I realize that they broke their contract with me and probably charged me for non payment and I know for a fact it is on my credit report for non payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I made final payments to my previously owned XXXX XXXX XXXX network account back in XXXX, XXXX and XXXX, XXXX. The account was closed by XX/XX/XXXX/XX/XX/XXXX for I went with a different service. From XX/XX/XXXX until XXXX, XXXX I have made several calls to both entities, as well as had a conference call on several occasions with customer service reps from both XXXX XXXX XXXX and XXXX XXXX. On many occasions, the XXXX representatives informed the XXXX XXXX XXXX reps that their balance is paid in full and no more money is owed to them. XXXX XXXX XXXX would bill for both their service & XXXX service, XXXX required 2 month payments in advance and the due dates were never aligned, which made the billing difficult to understand let alone know who was due when. XXXX XXXX XXXX was paid their final balance, XXXX network informed them they are owed no more money and XXXX XXXX XXXX refuse to take responsibility for their human error in processing my final bill, which was a total of {$100.00}. Since then, my credit score has had fluctuating scores like a " see-saw '' every 2-3 months due to XXXX XXXX XXXX hiring a new collection agency, or collection agencies buying this account from each other, which makes it very difficult to maintain my excellent and hardworking credit score of XXXX. Every time a new collection agency place their collection on my credit report I have to contact the agencies to have it investigated and every, single time it is removed or deleted. I feel I am being harassed by these several collection agencies and XXXX XXXX XXXX to collect a debt that has already been paid in full.

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 04-09-2017 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Other

Complaint: Opened a credit card account with Barclays Gold Card account. I am in the XXXX and the original terms of the credit card included 0 % interest and waived annual account fee for the duration of my XXXX service. These terms were confirmed to me over the phone. The original XXXX term letter outlined waived transaction fees and 0 % APR for the duration of my service. The letter did not explicitly mention a waived account fee. I did not notice this since it was explained to me by a phone representative that the fee was waived for the duration of my XXXX service. 

Two weeks ago, I received a notice that the annual fee was no longer waived because it was discovered that I was XXXX prior to the opening of the account. This is false as Barclays knew my XXXX start date proceeded the account origination date as evidenced by the attached letters. 

The annual fee is {$990.00} which amounts to an insane APR of over 25 % even if I were to carry a balance of {$10000.00} for an entire year. 

I feel that the initial offer was duplicitous. I would have never opened this account if it were explained that the account fee waiver was temporary. Barclays advertised it as a permanent waiver and even confirmed this over the phone ; however, their term did not confirm this fact in writing nor did it state that the annual fee waiver was temporary. I made multiple purchases with this card under the impression that I would not be subjected to interest or annual fees - Barclays violated the good faith of this deal, and I 'm my opinion, committed promissory estoppel in doing so because my credit will be affected by closing the account in order to avoid huge fees.

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 02/17/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Re : Evasion of FCRA by Equifax I requested my free annual report from Equifax on XXXX XXXX, XXXX. I provided all of the personal identification information requested, none of it has changed within the past 9 years, and all of it agrees with with what Equifax had on file at the time of their last disclosure ( on XXXX XXXX, XXXX ). More specifically, my mailing address has not changed in over 9 years and Equifax has exactly that address on file. 

I answered all of the security questions correctly. None of those questions were ambiguous. There is no possibility any of my answers could have been construed as " wrong '' and, indeed, they seem to have been accepted as correct. 

I got the following response : " We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. '' Instead they demand I physically mail " Identity '' and " Address '' documents and that " The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. '' Interestingly, they have made the same demand in the past and I complied. So they already have exactly the documents they are requesting and already received them by US Mail. 
Again, my mailing address has not changed in over 9 years and Equifax has exactly that address on file. My social security number has never changed. And Equifax already has the documents they are requesting. 

It will take 2-3 weeks to obtain the report by mail ( from previous experience ). 

It appears Equifax would prefer I pay for a report or subscribe to their service to obtain XXXX electronically, and are evading the FCRA by making it as difficult and time-consuming as possible to obtain free annual disclosure. 

I want the report now because I plan to apply for credit next week. I will have to pay to see it this time. Please put an end to this evasion of the FCRA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted the credit service XXXX XXXX to let them know that there are a significant amount of inquiries that are reporting in my credit report. ( actually all 3 of them ) and has lowered my score by 2 to 300 in points. i have contacted them to let them know that i have been victimized and they failed to comply with what i requested them to do, which was REMOVE ALL the inquiries off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (Credit card debt) with Leading Edge Recovery Solutions, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that I owe {$400.00}. Also on that same letter was a note giving me a chance for a settlement to clear off my debt. As I contacted the debt collection office some time later and was told that my debt was reduced to XXXX. I agreed to the amount and proceeded to pay. As the debt was paid off on XX/XX/XXXX, a confirmation number was given to me with an additional {$9.00} added on because the debt was paid over phone using a debt card. The representative declare that the payment went though and I was good to go. A confirmation letter was never sent to me. The company since then has not taken my name off the collection list for debt and has been repeatedly calling informing me that there is no record of me paying and even refuse to look up my confirmation number as proof that I paid. That debt is impacting my credit score and even as of now conflicting with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (Medical debt) with AR Resources, Inc. (WV).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: AR RESOURSES. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida At times of Incidents I had moved into a XXXX XXXX Shelter in XXXX Florida and was using State Provided Insurance at XXXX State Granted Issuance. Contact Department of Health Human resources for I.D . numbers or XXXX XXXX XXXX XXXX XXXX Florida XXXX Was informed that the bills incurred from E.R physical inspection report and other accumulated Dr . Visits would be handled by State/County Insurance. Please send me any paperwork for crisis payment or Homelessness verification as I stayed at XXXX XXXX XXXX XXXX XXXX. Please understand that I have been provided with XXXX Payment at XXXX per month and receive benefits on 1 of month each Month. I  'm Sorry for any misunderstandings on my behalf as it was mandatory visits I made as a resident of both XXXX and XXXX XXXX XXXX XXXX after leaving XXXX. 
MY EMAIL IS XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit card () with DISCOVER BANK (MN).
Issue: Billing disputes

Complaint: Discover is overstating my current balance. They list the following information. 
Last statement balance : {$240.00} Recent transactions : {$69.00} Recent payments and credits : - {$25.00} Current Balance : {$370.00} If you do the math that amount should be {$280.00}. There is only a pending charge for {$9.00} showing on my account so it ca n't be due to pending activity.

Company response to consumer: Closed with explanation