milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2015 about Mortgage (Conventional fixed mortgage) with ETHOS LENDING LLC (UT).
Issue: Application, originator, mortgage broker

Complaint: Non-performance of a lender ( missed deadlines, failed commitments, failure to provide closing documents, failure to respond to inquiries, failure to fund timely ) : We recently purchased a home, and our mortgage broker sent us through Ethos lending. What an ordeal! After a series of delays ( due to staffing, backlogs, etc ) they finally gave us a date for which we could sign closing documents. When we went to the title company on XXXX XXXX ( as they indicated we should ), no documents arrived. At this point we were out of contract with our sellers, and every day 's delay cost us $ XXXX in penalties - all because Ethos could n't deliver as promised. Our broker was finally able to contact them, only by masking his cell phone to appear as if it was coming from within their building. Where before he had called, and called, and left voicemails and emails with no response, when they thought it was an internal call they picked right up. He was able to get a commitment to have documents ready for us the next day. We signed on Wednesday, hit XXXX snag with seller documents, and all indications were this was a " rush '' and we would fund on Friday, XXXX XXXX. Friday came, and went - no funding. Sellers were irate ( as were we ), as our apartment would not let us stay any longer because the unit had already been rented, based on Ethos ' timetable for finishing this deal. Ethos guaranteed funding Monday, XXXX XXXX by XXXX XXXX. At XXXX, still no funding. There was a " system outage '' that prevented sending funds. Finally funds arrived to XXXX title company, but too late for them to send it to the sellers. At this point, I had stalled my apartment to let us stay through Monday, and the drop-dead time arrived. I had to pay my movers to move everything to a storage unit, and find a place for my family and pregnant wife to go that night ( thanks Ethos ). At this point, Ethos has cost me XXXX days of lost work ( since I had to take time off work each time to sign, and then arrange movers, cancel movers, rearrange everything each time they failed to perform ), as well as over {$500.00} in penalties to the sellers, doubled my moving costs, and stress on a pregnant mother. I have worked in XXXX for XXXX years and never have I seen such an unresponsive, uncommunicative, ineffecient and non-performing lender. We had serious doubts as to their solvency, and whether or not they were even legitimate. Through all of this, we bore all the burden of the inconvenciences - all because of Ethos ' inability to deliver on contracted lending services. I ca n't tell you how many times my XXXX wife was in tears because of this lender - XXXX is a MAJOR concern during XXXX and this lender has absolutely no concern for their customer - zero.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX and the Michigan XXXX XXXX XXXX my Federal tax refund in the amount of {$2700.00} on XXXX XXXX, 2015, however I paid by loan in full with penalty and interest On XXXX XXXX 2015. The overage was not reflected on my credit report, not has the full amount been returned. I requesting the following : because it is a reported error, that all references of XXXX XXXX and Michigan XXXX XXXX be removed from my Credit report in conjunction to applicable FCRA. I submitted documentation to Equifax regarding this matter On XXXX XXXX 2015, there response that was this information was verified, However by reason of the facts and circumstances supported by the documentation submitted all references to Michigan XXXX XXXX should of been removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Contacted Transunion for a " free copy of my credit report. I ordered it and was charged {$17.00} for some kind of recurring service. I asked for no such service and when I called them I was told I had opted for a free 7 day trial ( which I did not ) and that they could n't refund it because they had already paid other services for some product related to this. 
Additionally the website is overly confusing and just getting a simple credit report - from ALL of these outfits - is unduly complicated.

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 10-02-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have a Walmart issued credit card, which I maintained and paid on-time for several years. Due to XXXX XXXX 's expenses, I was unable to make my on-time payment on XXXX/XXXX/XXXX. As a result, Walmart credit card services decreased my credit line close to the amount owed, thereby affecting my credit. I contacted customer service on XXXX/XXXX/XXXX to discuss this matter and was informed that credit line decrease was not due to a late payment but it was due to a XXXX XXXX credit check on XXXX/XXXX/XXXX. I advised them that this is false since Walmart provides a free XXXX XXXX credit monitoring on their payment webpage where they themselves can view my credit progress. I was late with other creditors as well for the month of XXXX due to XXXX XXXX, however, none of them took such adverse action towards someone who was financially impacted by the storm. I believe my credit was lowered solely because of the late payment and because it was lowered to the amount owed it will negatively impact my credit. Please assist me in resolving this matter. I advised them to close my credit card because of their unsympathetic stance.

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 05/28/2017 about Money transfer, virtual currency, or money service (International money transfer) with WELLS FARGO & COMPANY ().
Issue: Confusing or missing disclosures

Complaint: Sir , Wells Fargo  Bank in  XXXX  recieved until  XXXX  from  XXXX   XXXX   .  (  XXXX   XXXX  ) I asked  Wells Fargo Bank via  Email for acces to my Money.  XXXX   XXXX   from  Wells Fargo Bank gave  me not any Information how i can get acces to my Money.please note i have not account wit h Wells Fargo Bank but   they have taken over Money yet.      XXXX .    Wells Fargo  Bank  XXXX   XXXX   XXXX  Ga  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 12-11-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CO).
Issue: Managing the loan or lease

Complaint: I got my Auto loan about 3yrs ago, my finances have not been the best, I have fallen behind, my XXXX payment due on the XXXX I tried to have it paid before XXXX payment it did n't happen. I spoke with my son 's father who is out of state and he offered to both months and late fees to help me, prior I had made arrangements to have a payment taken out XXXX XXXX for my XXXX payment and again on XXXX XXXX for XXXX payment. I contacted wells Fargo before the XXXX to have both post dated payments stopped that my son 's father offered to pay them, spoke to a XXXX with WF Auto loan all was to be handled the payment for the XXXX was stopped but the XXXX XXXX was not it was kicked back non funds and a XXXX OD few was applied, then on the XXXX of XXXX again thwy put it through bringing my account to a negative XXXX. I went to WF bank and spoke to a banker, who also called WF Auto loan to see what he could do and was told they could n't do anything about it, they refused to reverse the payment or reimburse any fees, also stated there policy is to run the payment through 3times at that point it had been twice, already, they were told the funds were not there and they still said nothing we can do, l was current tell XXXX XXXX. Now what money I did put in my account XXXX they hate it up and left me XXXX in the negative as of XXXX XXXX and another debit to still take place by WF Auto loan dept, I am being held accountable to pay, I paid my payments caught up tell XXXX XXXX why are they being aloud to debit my account 3 times after it was cancelled a month prior, and my car payments are current. I been a Customer sense 2008 guess that holds no meaning I have endless accounts that they have switched me from it 's a mess I will NVR DEAL WITH THEM AGAIN AFTER THIS!!

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 04/23/2015 about Mortgage (Other mortgage) with CITIZENS FINANCIAL GROUP, INC. (AL).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern : I have been a lifelong resident of the great state of Alabama. I 've been active in my community, even XXXX for many years. I have owned multiple towing companies over the years, and I have owned my home for about the last 5 years. Unfortunately, due to a predatory loan and the absolutely despicable treatment I 've received from Citizens Bank, I 'm in danger of losing all that I have. 

The problem started when I refinanced my home in XX/XX/XXXX to remove the seller-backed financing I had on my home. I believed I had a standard fixed rate loan, but nothing about this loan was standard. My business had slowed, I went through a divorce, and eventually I became XXXX. But the real problem was that XXXX balloon payments came due on XXXX truck loan and XXXX unsecured loan that somehow got tied into my home loan ( they were all with Citizens Bank ). 

I had always been current on my payments. I just had no idea of these balloon payments. When I was made aware of this issue in XX/XX/XXXX, I went to Citizens Bank to see what we could do to solve the problem. I was given over to XXXX XXXX ; he 's supposedly the vice-president of the branch, but he does not act like someone who deserves that title. He did not offer any options for solutions, but instead told me I must pay the balloon payments or " lose it all ''. It seemed there was joy for him in doing this to me, like he had a vendetta. The truck was repossessed, and this vice-president told me he was " coming after everything ''. So I stopped making the mortgage payment, and he proceeded to pursue immediate sale dates. I 've held this criminal off, but he 's hell bent on taking my home!!! 

I 'm on a fixed income now, but I 'm not asking for charity. I can afford to make a mortgage payment. I was doing so until late last year when I ran into this XXXX XXXX character. A lowered payment would be great, but even the same payment would be acceptable. What 's not acceptable is being bullied by a hired thug into losing my home when I 'm willing to work out a solution. 

I 'm a kind person, but I 'm not a pushover. I 'm resourceful and will do what I need to do to save my home. Any assistance towards that end would be greatly appreciated. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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 asked Experian and XXXX to confirm and or remove a Chapter XXXX off my credit. It has been removed by XXXX. The bankruptcy will be 7 years old in XX/XX/XXXX. On previous reports they indicated that it would be removed by at least that date. Then they told me XXXX - who ever that is confirmed the bankruptcy was correct. that was not my request nor did I get the report I request from they by a XXXX XXXX. I have corrected my credit and on the right track since XX/XX/XXXX. On my credit report XXXX has the file date as XXXX/XXXX/XXXX - a mistake ; it was filed XX/XX/XXXX If XXXX agency can remove this why can Experian and XXXX. Especially with the recent breaches of millions of credit report. why would an unknown company have access to my credit file who or what is XXXX XXXX XXXX. Now that I'm looking at my credit all XXXX did was pull my credit report because they are on they as an inquiry. It's unbelievable these company are having another company pull my credit report to verify my credit report that they are report. HELP

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 08/26/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (SC).
Issue: Settlement process and costs

Complaint: In XXXX I purchased a mobile home with the understanding my payments would be around {$700.00}. When I went to closing after they had delivered, set up with XXXX and included my land, my payments had jumped to {$910.00}. We told them at the closing that we could n't afford these payments, but were told the house ca n't be moved, so we had no choice but to sign the paperwork. After trying to work with the several companies that bought our mortgage we gave up. Our home is now XXXX days late and they still will not work with us. Our outstanding payments with late fees are almost XXXX and the home was just appraised at XXXX. We do n't want to loose our home, but what can we do?

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NC).
Issue: Shopping for a loan or lease

Complaint: WELLS FARGO DEALER SERVICES MADE A HARD INQUIRE ON MY CREDIT REPORT AND I ASKED FOR PUT OF THE HARD INQUIRE BUT THEY HAVE FAILED TO DUE SO

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 03/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a debt on my credit report to Aargon Agency for a debt owed to XXXX in the amount of {$1700.00}. This transaction was conducted online and the funds deducted from my bank account on XX/XX/2017. Before paying the debt, I called and spoke with someone at Aargon Agency. We came to an agreement that the debt would be removed from my file if I paid in full on that day. After several disputes with XXXX, XXXX, and XXXX, the account has not been removed or updated. It is showing that I still owe the full amount.

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 03-11-2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: credit card for XXXX rewards card was opened in my name. Called and had card cancelled, Chased put it down as identity theft. Would not give me any details from the credit application ( ISP, alternate mailing address, etc ). Have since received two ( 2 ) more notices from Chase that I was turned down for an XXXX rewards card. Notified them both times that I did not apply for one and they marked them as identity theft. Chase will not give me any details, have n't yet tried to call XXXX. Chase says they will not attempt to block any future applications, they have to process them. Issue started in XX/XX/XXXX. & XX/XX/XXXX, then XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage through Capital One Home Loans. I recently refinanced and the balanced was paid in full. Capital One has refused to send me the balance of my escrow account of nearly {$1000.00}. I have called several times and they just blow me off and say they will eventually. It has been over three weeks. If I did n't pay my mortgage within 15 days, I was assessed a late fee ( although I never was, because I pay my XXXX bills on time ). Why should Capital One not be subject to the same requirement?

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Incorrect information for state tax lien. I have attached the delinquent tax list and my name or ss # is not there.

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 05/22/2015 about Debt collection (Credit card) with STONELEIGH RECOVERY ASSOCIATES, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: In the mail today, Thursday, XXXX, XXXX, XXXX, received a validation letter, no date indicated, regarding an account that was incorporated in a Chapter XXXX Bankruptcy filing back in XXXX, XXXX XXXX Florida, and subsequently discharged the same year of XXXX. 
The amount indicated {$5300.00}

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 06-07-2016 about Debt collection (I do not know) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never had XXXX at my residence in my name! XX/XX/XXXX they were running a special on programming for XXXX, so I inquired about signing up. So I am placed on the phone with a XXXX associate that tells me that I have already had XXXX at my current residence and there is an outstanding bill of over {$700.00} from XX/XX/XXXX-XX/XX/XXXX. So I explain to this person that I have never had XXXX, I have never received a bill from XXXX ever .... and also I did not live at this residence during that time. I was told that maybe a previous tenant ordered it in my name, but that XXXX had been installed at my address in XX/XX/XXXX in my name, and I did not occupy this residence during that time and I explained this to the associate, which then tells me that I will have to file fraud charges to avoid responsibility of this debt. This is a scam because this company did not have my personal information until I gave it to them on inquiry day XX/XX/XXXX, more than 10 years after they say someone at my address used my name to obtain XXXX! I have not filed fraud charges because I have no idea who to charge! I have no proof of this bill or said account or name of person pretending to be if that is the case! I feel this is a scam to collect money that I do not owe and refuse to pay because it is not my debt!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted XXXX XXXX to request proof of validation regarding account # XXXX. The furnisher was unable to locate anything related to the account due to the fact that it was never late. According to them, XXXX XXXX could not find any validations or information on their files pertaining to this account. I do n't quite understand why the bureaus continue to verify these late payments, when in fact they were never validated by the original creditor. According to section 623 of the FCRA, the CRA 's are required to remove this account from my credit report due to the fact that it 's not accurately reported. In addition, pursuant to regulation Z, TILA, and the Credit Billing Act, set forth CRA is required to cease and decease all negative reporting including the late payments. In accordance with section 611 of the FCRA, all of the parties involved are required to comply accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (AL).
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: JP Morgan Chase Bank has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX   2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with the  Credit Reporting Agency as JP Morgan Chase told me to do ; however, they are still not updating the reports which is causing an adverse affect on my credit score at the  moment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I disputed inquiries that were not made by me however I have not heard back from them  XXXX ,  XXXX  and TransUnion

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