milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2016 about Mortgage (Conventional fixed mortgage) with MOVEMENT MORTGAGE LLC (FL).
Issue: Credit decision / Underwriting

Complaint: A friend urged a borrower to call me because they wanted a second opinion on a loan process. ( I am an XXXX in XXXX and XXXX ). When the borrower explained her story, I told her the transaction was illegal, and I specifically told her why. 
XXXX XXXX of Movement Mortgage in XXXX is her LO in question. The borrower is purchasing a home with her step dad as a co-borrower. During the application process, the borrower explained she will be renting out rooms in the new home. After she gave me all of her income and application information, I explained she qualified for FHA, but not Conventional. Then she remembered, and said, the MLO, XXXX XXXX said if her step dad and Mom could produce a lease to rent out their home ( within the same city ) that the rent could be used to help them qualify for the Conventional loan. ( Yes, could, if following guidelines ). However, he sent the borrower a lease contract and told her to find someone to sign it. I informed the borrower that a mortgage loan must be honest and that by filing fraudulent information and documents could be mortgage fraud. Not only for her, but her parents, the people who offer to sign that lease contract, the MLO, and possibly the Realtor. I told her I could help her with the loan in the honest way, but only with FHA. When I spoke with her again, I further told her that the conventional loan and renting criteria should have the homes over XXXX miles away, but if there truly were circumstances, and truly the parents were moving in, then she may be able to get that approved with him, but again, told her she is going to need to document the truth. But to pretend, to file, and to move forward in a fraudulent manner could get her in big trouble. She said she spoke with XXXX XXXX about this, and still felt he could do something to make it OK. She said he and the Realtor were now going to give her a gift card also to work with them together ( Sounds like the Realtor and him should share a prison cell ... At least the gift card is legal. ) I was previously a XXXX XXXX and I have never seen more corruption than in this industry. Perhaps I should be a mortgage cop! I do n't mind not being chosen for loans that will get everyone in jail, but I am truly tired of seeing it happen. This is not the first time Movement Mortgage has hit my infraction radar, just decided it is time to start reporting people to someone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: I hired an attorney to address the Deed Inlue of foreclosure ( DIL ) and Ocwens appointed DIL attorney matters. At the request of either Ocwen ( receiving mailed DIL data packages ), or at the request of the Ocwen attorney, I have been submitting the same DIL data package ( same type of information ) to both parties since XXXX. A total of six ( 6 ) DIL data packages to date have been submitted. I have yet to receive a final filing of the ( notarized ) DIL document filed with the residential court of record. 
In addition, since the matter is still in litigation, Ocwen ( terms in wring from their attorney ) reversed its position of not reporting this matter to the credit bureaus and has since reported negative information to the credit bureaus. I have reached out again to an attorney ( bill still piling up for services rendered ) to address this ( negative ) reporting matter, of which is an unfair tactic/practice by Ocwen. 
In closing, had I not been able to qualify for the DIL ( letters received from Ocwen ) Ocwen has demonstrated some egregious practices. Ocwen nor their attorney should be allowed under any circumstance to consistently mis-handle a home owners ( qualified ) DIL data package.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Shopping for a loan or lease

Complaint: HELLO this company is did a hard click on my credit file without my written consent i never asked them for credit and never authorized any one to ask them on my behalf they are refusing to remove the hard click of my credit file the last XXXX of my ss # XXXX this happened XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Managing the loan or lease

Complaint: In XXXX of 2016 Honda Financial took out XXXX car payments for the same month charging my account twice, and causing me to over draft. I was on vacation XXXX, with no money, because of this I was forced to use my credit cards, and now I have to pay that back with interest. Honda later returned that extra payment, but now they claim that they deposited it twice. They have been hounding me for months saying I owe them a payment of {$390.00} I even sent XXXX faxes with my bank statements to prove this was not the case ( I had to pay for these faxes since I do n't own a fax ) they still insist I owe them the money. We also conferenced called my bank twice, and they confirmed that they never deposited XXXX amounts of {$390.00} Now this morning they emailed me telling me they were going to pursue other methods to get their money. My question is whose going to pay me my over draft fee 's, my credit cards that had to be used to come back home, the constant harassment, my time, the faxes? I am not a rich man which is why I bought a Honda and not a XXXX, {$390.00} is a lot for a person living pay check to pay check. I will never ever do business with Honda Financial. Thank You.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: On X/XX/2017, I mailed a dispute letter to Experian asking them to remove collection account, XXXX XXXX -ACCT # XXXX, from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal. I do not and I have never had a contract with this company. I am not liable for this collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2017 about Debt collection (Federal student loan debt) with AES/PHEAA (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I submitted an income-driven repayment plan re-application through  XXXX v on   XXXX   XXXX   XXXX    . I heard nothing from them until   XXXX   XXXX   when they said my re-application was on hold. Then on   XXXX   XXXX   they said that could not process it, without giving a reason. Then on   XXXX   XXXX   they said my re-application expired.   This seems like they deliberately delayed processing until the last possible time, they failed to tell me what was happening and why they made the decisions they made, and they did so in such a way so that I had no time to do anything before my re-application expired.   These kind of communication tactics harm borrowers and seem to be a deliberate delaying tactic to confuse borrowers and deprive them of their rights of appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NV).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I was pressured to sign up for a credit card and somehow they convinced me how I can enjoy the benefits and privileges of the card while being the XXXX member. My credit card arrived which I've used for a month, and I went out to treat my friends for the holidays. This is how I found out my account was CLOSED without my consent or any type of notifications when they told me the initiated transaction was declined and had to call the customer service line. I couldn't understand why because I have already made the required payments on time and my balance was XXXX. They told me a letter I'm about to receive will have a thorough explanation but the only explanation that was listed was " excessive inquiries. '' I understand I've applied for a few credit cards with the rewards/points program and it could affect my credit score but can't justify the situation where I've been a very good account holder and being treated in such a horrible way. Not only I wasted my time and energy to deal with the problem, nobody wants to take accountability of one of the most negative life experiences I had to go through not to mention the embarrassment and humiliation I had to face in front of my loved ones. I already spoke with a few of the employees at the company including XXXX and XXXX the supervisor, and nobody offered me a reasonable resolution. I feel the explanation offered to me was not a sufficient reason to cancel my credit card especially while I was in good standing customer.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Account opening, closing, or management

Complaint: The bank closed my accounts and charged numerous fees after a bank representative suggested a new account type upon one bank buying another. I was lied to about the minimum balance requirements ( my accounts with the previous bank did not have fees associated with basic banking services ). I recently tried to open a new account at a credit union and was informed I could not because of these outstanding balances.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: I purchased XXXX train tickets on XXXX XXXX 2015 on XXXX. I received an email that my order did n't go through. " XXXX was unable to process the payment for your recent order. Please contact us at XXXX XXXX XXXX XXXX to so we can complete your order and confirm your reservations. '' After seeing this I purchased new tickets on the exact same train hoping that the order would be processed because I was traveling from XXXX XXXX, to XXXX and wanted to make sure the order was confirmed. Immediately following the XXXX purchase I looked at my chase account and saw that the original order did in fact go through and now I was being charged for not only the {$190.00} but also the XXXX order of {$200.00}. XXXX XXXX told me there was nothing they can do, and when I contacted my bank ( CHASE XXXX they looked into it and decided I was liable even after I showed them the email. So basically I was charged {$390.00} for a round trip tickets for two instead of the original price of {$190.00}. I still have the email XXXX to prove I was mislead and taken advantage of. Im disputing the {$200.00} charge because I feel that this is truly unfair business practice and that they stole {$200.00} from me. Please look into this and see for yourself. 

Thank youXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My boyfriend acquired an account for cable services with XXXX XXXX back in XXXX of XXXX. In XXXX of XXXX I became an authorized user on my his account. I was told by a XXXX XXXX representative that by becoming an authorized user that I would be able to call in and make changes to his account and make payments. At no point of becoming an authorized user on his account did I provide my social security number. My boyfriend terminated his account with XXXX XXXX in XXXX XXXX. On XXXX XXXX XXXX I received an email from XXXX XXXX informing me that XXXX XXXX has put this outstanding balance onto my credit report. It shows as being responsible for {$600.00} with XXXX XXXX on both my XXXX and Equifax reports. I immediately called XXXX XXXX for an explanation as to how I, solely an authorized user could have a balance on my credit report when I was not the account holder and had NOT provided my social security number to them. The representative told me that we, we being my boyfriend and I collectively share debt. I told her that she was incorrect and that I wanted to speak to a manager or to someone to dispute these actions. She then told me that I was absolutely correct and that I do n't have an account with them ( XXXX XXXX ) and that I was only an authorized user and should n't have been charged. She then pointed me to their website to begin the dispute process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received a loan from XXXX XXXX XXXX. I was in an accident where my car was totaled by a drunk driver. the total amount owed on my loan was {$11000.00} ( i have submitted my loan paperwork from XXXX XXXX XXXX ). XXXX paid {$9000.00}, GAP insurance paid {$1600.00}. The taxes remaining on my loan was {$570.00}. XXXX XXXX XXXX is reporting that I owe {$2900.00}. The only amount I owe are the taxing remaining of {$570.00}. 

loan:XXXX ( PAID ) Geico:XXXX ( PAID ) GAP:XXXX ( PAID ) Taxes:XXXX ( UNPAID )

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 12-06-2017 about Credit card or prepaid card (Government benefit card) with Comerica (VA).
Issue: Unexpected or other fees

Complaint: My son gets his SSI money loaded on to a XXXX XXXX XXXX card monthly. Everything had been going smoothly for about 2 years. In XXXX he went to make a purchase and found he had insufficient funds. He had charges on his card that he did not make. XXXX XXXX, XXXX, there was a charge for {$49.00} and {$1.00}, then on XXXX XXXX {$0.00} all from the same company that we have never heard of. We tried to contact XXXX XXXX XXXX repeatedly and the message kept saying they were experiencing heavy call volume. When we finally got through they said we had reached their customer service desk and that they would transfer us to someone to file a claim but we kept getting hung up on. My son is XXXX and he ca n't always say what he needs to due to XXXX and XXXX XXXX XXXX. I attend to all of his business but when I was trying to talk to XXXX XXXX they threatened to hang up the call if I spoke again. So I had to watch my son XXXX XXXX XXXX with them and the matter still did n't get resolved. I contacted Social Security about the manner and they said they could do nothing about. I requested his check be sent in the mail but they said I had to go into the branch but before I could get in I took ill. So on XXXX XXXX, XXXX, his card was struck again for {$670.00} and {$20.00} again from an unknown company based in XXXX. We had to leave our groceries at the grocery store and run to the nearest Social Security Administration and we sat from over 3 hours only to be told there was nothing they could do and that it was the same as if I got robbed after being paid by someone else. They did their part and it was between him and XXXX XXXX who we can barely get through to and after we get through to them it says call back at a later time once we are transferred to the complaint department. We ca n't pay our bills ... what should we do?

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced with XXXX Mortgage. XXXX Mortgage then transferred my loan to Nationstar Mortgage. I was not notified of the transfer until after my XXXX 2016 payment was already electronically taken by XXXX Mortgage. XXXX Mortgage contacted me and advised me that my loan was being transferred to Nationstar Mortgage and that I should be receiving a " welcome package '' from Nationstar advising me of the transfer. XXXX Mortgage indicated that since my loan was in the process of being transferred they would be sending the XXXX 2016 payment to Nationstar Mortgage. This did not take place. I was contacted by Nationstar Mortgage advising me that I had not paid XXXX 2016 mortgage. I told them that I did in fact pay XXXX 2016 and it was paid ON TIME. This fiasco has been going on for over a month. Finally ( with the help of XXXX Mortgage representatives only -- nobody from Nationstar would even attempt to help ) the payment was " found '' but I continued to receive notices indicating that my mortgage was past due etc. I have never paid my mortgage late. To add insult to injury a {$12.00} " fee '' was added to my account. I had to argue this over and over again. This whole process has taken over a month, tons of phone calls, emails etc. Finally, today, I receive a return message indicating that Nationstar will " waive '' XXXX TIME a late fee. My payment was not late. Even when the payment was " found '' I was never notified by Nationstar that they had " found '' it ; I had to figure that out on my own by going online to my account. Nationstar Mortgage has been disrespectful, unprofessional, and dishonest throughout this nightmare. In addition, it is unsettling to me as a consumer when I wonder where my XXXX 2016 mortgage payment was while it was " missing '' The funds were gone from my bank account but yet they were not applied to my mortgage for a month? Something is not right. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I expressed to XXXX I would be moving to another address which did not allow services in XXXX XXXX before I moved back to my mother 's house. My lease was up XX/XX/XXXX. As I moved back into my mother 's address, I replied to every call and send a couple of letters to XXXX explaining the situation of me having to moved and relocate due to my lease being expired. After a few attempts of calling and letters to the dispute department, XXXX has hired a third party ( AFNI ) to recover activation fee cost of {$280.00}. An XX/XX/XXXX letter states if I do n't pay they will go into my account and charge for the above amount as well negatively effect my credit. XX/XX/XXXX I spoke with XXXX at AFNI she expressed credit will be effected and XXXX with XXXX expressed it was not their concern and that I chose to leave the residence.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (MO).
Issue: Managing the loan or lease

Complaint: Well the only place that would loan me money because of my credit is Wilshire Consumer Credit. I borrowed against my truck and still owe more than I borrowed and they are charginh me 59 % interest rate and the XXXX told me to contact you. My account number is XXXX Contract Details Amount Financed {$3300.00} Maturity Date XXXX/XXXX/2017 Original Term XXXX Annual Percentage Rate 59.00 % Monthly Payment Amount {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Dear XXXX : I would like to report of wrong information about my name and social security number As reported by Experian Credit Agency XXXX 
( 1 ) they have posted wrong social Security Number on my report. The number they have posted for last XXXX digits XXXX are not mine. 
( 2 ) they have reported my another name as XXXX XXXX. That name does not belong to me at all. I have never ever changed my name. My real and original name is XXXX XXXX And as such they have accepted collection charges from unauthorized agency and posted on my report. 
May I ask your help as how can I get this corrected. In spite of my disputing these points With Experian, they have not taken any action nor they have responded. 
Thanking you XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: A purchase was made to XXXX in XX/XX/XXXX for a XXXX XXXX tour while vacationing in XXXX. The tour guide never showed up! I filed a complaint with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. Then in XX/XX/XXXX when I pulled my credit report I saw that on my XXXX credit report Chase was listing my credit card as " Delinquent ''. I have NEVER missed a payment and always paid my bill earlier, and make MULTIPLE payments per month. I called and was told that they were n't listing it as delinquent but that I had a claim open. I confirmed I have a claim open but it was due to a transaction NOT a credit reporting. I was told they would notify XXXX and the call ended. In mid-XX/XX/XXXX I received a notice from Chase Card that they appreciated me validating my claim for XXXX was accurate. I NEVER confirmed it was accurate cause it was NOT. I called back and was told that since it was closed by the specialist it would be re-opened and I would receive a letter in 3 days. It has now been a month. I am furious and disgusted with this type of treatment. The charge from XXXX in the amount of {$72.00} is not valid because I never received the tour as the tour guide never showed up. On top of that, you all are reporting me as delinquent when I am not, and never have been!

Company response to consumer: Closed with non-monetary relief