milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2016 about Mortgage (FHA mortgage) with BOK FINANCIAL CORP (CO).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan in XXXX of 2016. I was denied due to excessive DTI. I found out less than 2 weeks ago that my former employer, BOKF is the issue behind the high ratio they issued an incorrect breakdown of my income. I found this because I have reapplied and the current verification of income from BOKF is still showing an incorrect amount of commissions. They are now refusing to complete the VOE correctly despite agreeing that my contract clearly shows all advances and hourly wages are recoverable. Anything recovered by commission is commission. The reason this is so important is two fold ; 1. commissioned income is averaged over the prior 2 years. Any base received is excluded from that average ... ..and 2. the incorrect voe sent for the application in XXXX caused the excessive ratio and that is the report filed with XXXX creating a Credit Sanction Alert. I can not get a new loan unless the current UW can show how they overcame the previous ratio issue. I have spoken with an HR BOKF employee, escalated the problem to the HR manager, contacted the in house recruiter who negotiated my contract and finally emailed the director of BOKF HR and getting no where. I have attached the conversations, my contract and the recent VOES ( which do n't even match each other ). I have asked for the breakdown to be corrected for the past 2 weeks as my rate lock is nearing its end. This is a major problem as my current note is due and costing me 1 % of the loan amount as I carry it over the due date. I need this addressed asap please and thanks

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage LLC continues its " wilfull misconduct '' as it proceeds with the illegal foreclosure of our home ... going at length to commit a breach of privacy with our CFPB files, the XXXX time around ( see CFPB case XXXX in XXXX 2015 for first incidence of breach of privacy. ). 

On XXXX XXXX, 2015, it goes into a CFPB case file XXXX involving XXXX , uploads its files, to make it appear that XXXX had completed the resolution of XXXX XXXX complaint. XXXX - Nationstar 's alleged " current owner of debt '' on the Notice of Default ( the basis of the upcoming Trustee Sale of our home ), who, on XXXX XXXX, 2015 had requested CFPB for an extension of resolution to XXXX XXXX, 2015. An indication that XXXX did not have " ready answers or records '' to support Nationstar 's alleged " current owner of debt '' on its Notice of Default recorded on XXXX XXXX, 2015 ... .lending support to our allegations of FORECLOSURE FRAUD ... that needs to be investigated and stopped by regulatory authorities. 

Of note, this response by " XXXX '' ( but in reality, Nationstar ), was not captured in CFPB 's auto-reply system, hence, XXXX did not receive the email from CFPB - just discovered it within CFPB Portal late afternoon, XXXX XXXX. 

Thank you, CFPB, for enforcing consumer protection laws that are within your jurisdiction to STOP deceitful practices that hurt people. 

Please see attached copy of XXXX dispute of " XXXX '' response (

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian has my XXXX 's account showing negative until 2023 and there is no late payment showing for over 21 months. But Experian has me showing 2023 before the account goes positive.

There has been a {$0.00} balance for over 6 months so how is the account in the Negative.

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 08-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: My complaint does not actually fit into any of these categories. It is a complaint against Synchrony Bank, financing via G.E. XXXX XXXX XXXX XXXX via Conn XXXX Appliance XXXX XXXX XXXX. I feel that Conn 's was not clear in communicating the terms of the finance deal and Synchrony is also guilty of the same and also of preying on consumers by applying higher than usual interest rates for products purchased through financing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a credit alert from my credit monitoring service, regarding a collection account for a account that was open back in XX/XX/XXXX. I have been a victim of identity theft since XX/XX/XXXX, do to me moving and some of my information was lost or stolen. I have a extended fraud alert on my credit for 10 years. Some times i get credit inquiries from people trying to apply for applications in my name. But now creditors must call me before opening accounts. I have also contacted the company and sent them a copy of my police report. This company is reporting to all XXXX credit agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (DE).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Hi - I opened a Santander checking account on XX/XX/XXXX. The terms were that Santander would provide an initial {$200.00} if I made an initial {$1000.00} in the first 90 days, which I did. I still have not received the {$200.00} bonus. When I opened the account, I had to do so by XX/XX/XXXX ( I believe ) - there was an issue with opening my account online ( I did n't pass the auth interview ), so it took extra time for me to go to my local branch in XXXX, DE and open an account. If you reference a previously submitted CFPB complaint regarding that issue, you 'll see that the outcome of the complaint was that I could still receive the {$200.00} bonus, even though it was past the XXXX/XXXX/XXXX cutoff. I worked with XXXX in the XXXX, DE branch, who also documented that I would still be receiving the {$200.00} promotion. I tried calling the branch several times - each time, XXXX was unavailable. I asked the branch to have XXXX call me back, but I do n't think they are relaying the message.

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 08-12-2016 about Payday loan () with GVA Holdings, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: Already paid XXXX already on a XXXX dollar loan to Northern Plains Funding loan approval was all done over the phone did n't have a chance to review paperwork for loan and interest rates. Balance of loan fluctuates and was told if I want out of loan would have to pay XXXX. They said I am paying finance charges with a small principle on loan that 's why I owe so much and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with CREDIT ACCEPTANCE CORPORATION (WV).
Issue: Confusing or missing disclosures

Complaint: I WAS LIED TO AND TRICK INTO CO SIGNING MY SISTER ASK ME COULD SHE USE ME AS REFANCE SO SHE GET A CAR .I TOLD HER XXXX NOT CO SIGNING SHE SAID NO NOT THAT.THEN SHE PUT ME ON PHONE WITH THE GUY SHE WAS BUYING THE CAR FROM WHICH A CAR DEALERSHIP.I TALK TO THE GUY I TOLD HIM I'AM NOT XXXX SAID NO JUST NEEDED ANOTHER XXXX ON HER APPLICATION SO I SAID OK AS LONG AS XXXX HAVE CO SIGN OR PAY HER DEAIT. SHE GOT THE CAR AND REPO IT IN XXXX MONTHS NOW IT ON MY CREDIT REPORT.FOUND OUT SHE WENT WITH THE GUY I WAS LIED TO.

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 03/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a medical collection on my credit. As of XXXX 2015, credit reporting agencies such as Trans Union are required to withhold reporting of the collection for a minimum of 180 days and a maximum of 9 months so the patient can receive and pay the bill. I have informed them of this, but they have not removed the collection 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 03-05-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: On or around XX/XX/XXXX I was granted a loan modification which included the language that there would be {$220000.00} of deferred principal balance however I was unable to honor the terms of the agreement In XX/XX/XXXX I applied for another loan modification which superseded the original modification stating that there would not be any deferred amount of money owed. 
I contacted Ocwen over one year ago to resolve this matter and they did nothing! 
Now my back is up against the wall as I need to refinance to pay approximately {$60000.00} of taxes to the IRS by XXXX XXXX, XXXX or I will be subject to large penalties and interest. 
I am in the process of seeking a second mortgage and your current mortgage coupon and the payoff demand both misrepresents the terms of the XX/XX/XXXX modification stating that there is an additional {$220000.00} owed. 
I contacted Ocwen one year ago and this matter was supposed to have been resolved. 
Please expedite and correct this serious matter immediately as I am due to suffer serious financial consequences as a result of this gross error. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I received an American Express gift card for {$500.00} back in XXXX 2016. I opened the package on XXXX XXXX, 2016 and checked the balance online at XXXX, to find XXXX charges were made on XXXX and XXXX. I contacted AmEx to dispute the charges, and though they asked me for a particular lot number on the package, they still maintained they ca n't dispute the charges as they have a blanket policy of treating all gift cards as cash. They advised me to report the card stolen and have it replaced by them via mail within 10 business days for the remaining balance. They also suggested I contact the merchants to dispute the XXXX charge that was still pending. The pending charge was reported to AmEx as a physically swiped transaction, which could n't be possible unless XXXX cards exist with the same credit card number. 

I am quite certain that, as a consumer end product, the lot number on the packaging, which does n't correspond to the account number, is a unique identifier and, therefore, bound to all transactions that are physical/swiped. They asked for that information, but it did not help with the fraudulent transactions. It was only used to confirm the physical package, though I 'm familiar enough with point of sale systems to be rather sure that information is somewhere within the mag stripe data of each transaction for their own quality control and protection as issuer. 

While I am being reissued the card for the remaining balance, I am not confident the replacement card wo n't be subject to the same lack of fraud protection. You can imagine how ridiculous it is to open a gift card package for a AmEx gift card for a very high amount, just to learn it 's already been used by someone else. That there was no card activation process was concerning, and I think that leaves the consumer open to fraud that ca n't be disputed, thus protecting AmEx 's interests at the expense of the consumer 's vulnerability.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I requested a credit limit increase on XXXX XXXX, 2017. I was denied an increase because " recent use of this accounts existing credit line has been too low '', per their denial letter dated XX/XX/17. After reviewing CapitalOne 's complete frequently asked questions concerning reasons for denial, not a single factor shows cause for denying me a credit limit increase. I have been a customer of CapitalOne for over 20 years. I believe there is not sufficient merit to base such a denial of credit limit. 

In fact, all my other trade lines did grant me a credit limit increase recently including XXXX XXXX, XXXX, XXXX, and XXXX XXXX. Both XXXX and XXXX almost doubled my credit limit from {$12000.00}. to {$23000.00}. due to my superior credit discipline and payment history. 

I review my trade lines annually and try to request a credit limit increase primarily to boost my credit scores and future purchasing power.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other

Complaint: i have disputed the info on my credit report with the credit card company for which they signed for on XXXX/XXXX/2016.. According to the FDCPA the credit card company is required to put a notice of dispute within 30 days. However when i checked my reports on XXXX/XXXX/2016 i saw that they failed to place a notice of dispute. I have already sent a letter to the credit card company regarding their violation and as of today they still have not removed the negative account from my report. 

This is my final goodwill attempt to clear this up out of court and without monetary compensation. If the credit card company does n't remove the negative accounts in a timely fashion i will sue them in small claims court nearest to me. I will request {$5000.00} as i have already outlined in my letter. 

I am attaching now the letter i have sent them and also a copy of XXXX credit report where you see their negative account.

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 05/16/2017 about Mortgage (Other type of mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Struggling to pay mortgage

Complaint: I  XXXX   XXXX   XXXX , obtained financing from   XXXX   XXXX   in   XX/XX/XXXX   as an INTEREST ONLY Loan paying paying flawlessly for 15 years {$1800.00} until   XX/XX/XXXX   I missed my first payment because of a pending  retirement . I requested a Loan Modification that would have been in line with the projected Social Security Monthly Benefit Payment, however,  XXXX  did not response, but did write a on   XX/XX/XXXX   stating that I was in default, then suddenly sent another letter dated   XX/XX/XXXX   informing me that the Mortgage was transferred to SLS, I immediately applied for a Loan Modificcation with SLS sending the  1st.  completed request package on   XX/XX/XXXX   explaining in my hardship letter, I was  retiring  in  XX/XX/XXXX , and wanted to remain in my home. I furnished in that request a  Letter f rom th e Social Security Administration sho wing my reduced income will go into effect on   XX/XX/XXXX  .  SLS OFFERE D THE LETTER AND OFFERED A LOAN MODIFICATION BASED ON MY SALARY. I refused the offer and month after month, with each newly assigned Relationship  Manager, I sub mitted a Request for a Loan Modification ( RMA ) I used the  XXXX   XXXX   XXXX  Forms. I extended my  retirement , and medical treatment to   XX/XX/XXXX .  To date, no offer of a Loan Modification inasmuch as I can show Social Security Deposits in my Ba nk Statements. I tried to short-sell, and with offers sent to SLS, there   have not been any responses to the short=sell. I cancelled the short-sell in   XX/XX/XXXX , an d have sent Loan Packages in   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   a nd  XX/XX/XXXX  el ectronically. I want a loan modification based on my reduced financials. I paid over {$260000.00} in interest to   XXXX   XXXX   for 15 years and have NEVER ONCE BEEN LATE!

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 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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: Ive tried a total of 5 times, this being the 6th. I have an inaccurate account on my credit report with Experian. The account is from XXXX XXXX XXXX XXXX. 

The issue states that the vehicle is a paid charge off. How is it a charge off AFTER I paid in full? Experian is not doing their full investigation and has yet to show me how theyve verified this information. Experian has STILL yet to give me any exact dates that i ask regarding this account because they are unable to. If this isnt fixed, Ill be forced to file a complaint with the FTC and Attorney General.

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 07/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion deleted XXXX XXXX for {$160.00} because the company agreed to it. Now it has been re-reported. The debt is not mine. In addition, Transunion is reporting credit inquires that do not belong to me and do not constitute fair use. I have had XXXX credit pulls in 2015. There should be no hard credit inquires on my report from 2015. This is harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: I have tried to obtain a modification from SPS who is now the servicer. For the past 3-4 years, I have had to deal with trying to modify my loan. I continuously send the bank everything they request for the modification and yet they have not assisted me or I was given a modification that just did not make sense! My understanding is that it should be should be affordable and the one they attempted to give me was at the same rate. It does not make sense that the bank would give me a modification that is at the same 7.46 % interest rate with a much higher balance, as the balance has not gone up due to the inordinate amount of time they have taken. It almost seems as if they stall since there is a little equity in my family home.
I could go on with the heartache this has created to our family. It is emotionally and physically exhausting to all of us. My parents as well have gone through a lot with this ordeal and their health is not the best. I had to file a chapter XXXX which in the end did not help. I then had to seek legal counsel to assist me with a work out with SPS and still the lender has been slow to reply. Why should I have to go through such lengths and costs and still may end up losing our family home?? We worked very hard to buy this home and we have tried very hard to keep our home. We are relying on a bank that does not seem to care since we have been working with them for, as I have mentioned previously, over 3 years with no resolution. Now it has been so much time, that we may not have the opportunity of a HAMP modification since those expired in 2016!
I am attaching my attorney 's letter that was sent to SPS which also details the circumstances we have gone through as well as other details of the situation.
Three years is a lot of time to have to deal with this, when the guidelines from what I understand is that the review should have not taken more than 30 days.
Thank you in advance for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ).
Issue: Credit decision / Underwriting

Complaint: To whom it may concern, I would like to establish a formal complaint against USAA Bank. I submitted an application for a VA loan ( refinance ) and was mislead throughout the full process. I was pre-approved and submitted all associated documents as requested. After having everything submitted and reviewed, they had me conduct an appraisal and a termite inspection. About 7 weeks into the application process I verified that no other documentation was needed and they confirmed that my loan was clear to close. I then received the final disclosures and then was asked via phone if I wanted to roll over the closing costs since I had enough room to roll that over. I was then transferred to a loan officer and then they started reassessing the loan and then determined that I was no longer approved for the original amount which makes no sense. There was no transparency and caused me financial harm by paying for a termite inspection and appraisal. I am also a partially XXXX veteran and feel that they may even have discriminated against me. 

I am also truly concerned because they sent an adverse letter to me after talking to the loan processor. No options were given to me such as the possibility of putting down a larger down payment or anything. This was the worst experience by far with a financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation