milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In early XXXX sometime around XXXX XXXX, XXXX a representative from Quicken Loans contacted me about refinancing our existing FHA loan. I advised the loan officer I was working with another lender and told them unless they were able to beat that lenders rates we were n't interested. I had previously been turned down by Quicken Loans for not meeting their criteria ; however, was told they had new programs available which I was assured I qualified for. The lender checked my qualifications and advised me I had been pre-approved through underwriting for the refinancing option at a much better rate than the lender I was working with. I questioned the loan officer at Quicken Loans about the approval because I had been told by the other lender that the only way to qualify for the refinance with FHA would be with the other title holder. The loan officer assured me Quicken has additional options because they are the # 1 FHA lender in the country so they have programs others do n't have. Based on their assurance and approval from underwriting I agreed to forgo using the other lender and pursue the loan with Quicken, who collected {$400.00} as a good faith deposit to use them for the loan and lock my rate until XXXX/XXXX/XXXX. Over the next couple weeks I provided all requested documentation and awaited my closing date. I was contacted by a " Solution Consultant '' on XXXX/XXXX/XXXX who advised me there was issues with my loan and they were working on alternative solutions. Today, XXXX/XXXX/XXXX, I learned there are not any reasonable alternative solutions and they charged my credit card {$400.00} for good faith when they had no intention on ever doing the loan in the first place because they denied the loan with the same information they used to tell me it was approved. They continue to brag about their XXXX XXXX ratings and everyone over there is some sort of executive but nobody makes decisions or manages the process to ensure they are keeping the promises they make and acting in good faith. Ultimately, I am out my original loan with the other lender because Quicken had me cancel that to work with them, the finance charges associated with the {$400.00} deposit, additional charges I made on a credit card based on being assured the loan was approved and would close within 30 days of the original conversation once I had been assured that I was approved and the ability to pursue a refinance loan with any other lender without causing additional inquiries on my credit causing my score to lower due to being beyond the 45 day window of mortgage inquiries allowed as a one time hit. Quicken has ultimately put me in a bad situation where I have made decisions based on their bad business practices and if I pursue another mortgage my credit will be re-evaluated at the cost of my score lowering based on additional inquiries and taken on additional debt with the presumption that I had intended to have already paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (NC).
Issue: Charged fees or interest you didn't expect

Complaint: I Have borrowed XXXX dollars with a repayment of XXXX dollars by weekly. I have made my first payment and noticed that it only credited me for {$10.00}. I called the company quickly only to descover that XXXX dollars go to the princpal and the rest go to the interest of the loan. I will have a total of XXXX payment of XXXX dollars to repay a XXXX dollar loan. I am a single mother I can not afford this. Please help.This will be XXXX dollars in the end. I started the loan XXXX/XXXX/2017.

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX 2017, an unknown hard inquiry pull was made on my credit report. To my knowledge I did not authorize this pull to be made. In requesting I 'm asking to see valid validation of my approval consent and signature stating I authoriz this hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We had a water damage in our house XX/XX/XXXX. We received the check for XXXX from our insurance company and send the package to Nationstar Mortgage with ALL required paperwork. They received it on XXXX/XXXX/2015. Till this day Nationstar did not do disbursement to us. I called numerous times without any results. Here is the dates : XXXX/XXXX/2015, XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015.Every time I call, I stay on the phone 20-40 minutes. On XXXX/XXXX/2015 I was waiting for supervisor, her name is XXXX for almost 2 hours, only for her to tell me that she will follow up on my disbursement request, which she never did. Nationstar is using off shore operators, who are poorly trained, they can not explain anything, they read notes on the screen and do n't understand a thing about the process. I feel that Nationstar is abusing its customers. On XXXX/XXXX/2015 I spoke to XXXX, who told me that somebody misplaced the contractor 's bead and my disbursement was stopped. On XXXX/XXXX/2015 spoke to XXXX for the 4th time, stayed on the phone with her 33 minutes, once again was told that disbursement request is send for approval, and she will call me back tomorrow to follow up. Of course, no one called and there was no check send to us. In the meantime insurance company issued us an other check. Nationstar is holding {$100000.00} of our money. The water damage was very extensive, my family has to stay in the half destroyed house. We are desperate, we want to start repairs. It is absolute nightmare to deal with Nationstar loss department. Nationstar mortgage needs to train their loss department operators, so they will do their job. Please, help us.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (PA).
Issue: Problems when you are unable to pay

Complaint: Behind on loan payment by a couple of weeks. I have received 3 calls to my place of employment. Each time I 've asked for that number to be removed as I ca n't receive those types of calls at work. I was told it would be and yet they called my job again today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased a home in XXXX where my mortage loan was under 2 lenders. When the housing market crashed and the economy tanked my house depreciated in value significantly. I wrote to and spoke to both lenders at the time, XXXX ( the larger of the 2 loans ) and Countrywide. I hired a local realestate agent who explained the option of a Short Sale and informed me I needed to talk to my lenders. XXXX would allow me to move forward with a Short Sale on the house. Countrywide would not agree and said in order to do such a thing I would have to pay them for insurnce they bought for me for the house at {$30000.00}. I did n't have that kind of money and was expecting to be laid off as the compnay I was currently working for XXXX was financially failing. My assumption was correct and I was laid off. I did receive several Short Sale offers on the sale of my house that were even signifcantly high considering the market but every offer was turned down by the smaller lender, Countrywide. After being laid off I could no longer pay my mortgage and even vacated the house and left it clean and ready for sale hoping the banks would change their mind. XXXX did decide to forclose on me but Countrywide to this day wo n't foreclose on the loan and still shows on my credit report that I am missing a payment everymonth. This house sold in foreclosure for {$69000.00} in XXXX. My short sale offers were for more than double that amount of money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed XXXX act # XXXX with experian several times. I have received a deletion letter from XXXX stating that they are no longer reporting this account on my credit and supplied it to experian. However, experian ignored the receipt of supporting documentation and instead of deleting this account as instructed they have WRONGFULLY update this account to show balance XXXX ... I never had this balance with credit card..I mailed in anther dispute with supporting documentation and got a response that account was updated instead of it being DELETED. Then I called, and representative stated they already investigated once and will NOT redispute again! I was instructed to use their website for faster results however their site is unresponsive!!!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: APR or interest rate

Complaint: I am being charged an APR of 29.65 % The advertised rate on the Capital One website shows 23.24 %. I have contacted Capital One several times and no resolution or adjustments have been made. This is total false advertising and I am entitled to a refund of the discrepancy amount from the first day that I noticed this huge error.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I requested XXXX XXXX via XXXX that PMI be cancelled on my loan on XXXX XXXX, 2015, by letter, and again on XXXX XXXX, 2015, via website. The reply implied that in 10 business days, there would be a response. On XXXX XXXX, I again contacted the lender through its website stating that I had not had a response at all. I still have not had a response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm not accepting calls from creditors. I am unemployed. I have no real property and we are seeking a Chapter XXXX bankruptcy. I want these calls to stop on my personal cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2017 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Deposits and withdrawals

Complaint: Someone used my credit car number to rent a car at ( XXXX ) & The bank PNC is charging me XXXX for something that 's a fraud. The bank sent me to collections which I disputed that because I am not willing to pay for a fraudulent transaction. I try to dispute it with the bank which they say they do n't have any records of anything yet they still trying to collect the money from me. I also tried to follow up with XXXX and they stated that they have no records either. I explain to them that I do n't have a license and that I am not even old enough to rent a car yet they still not dropping the matter. I also did not authorize such a large transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Veteran Loan backing with PennyMac Loan Services , LLC. 
PennyMac has in escrow my money to pay my property insurance. 
PennyMac did not pay my property insurance when due. MyProperty insurance had expired & PennyMac will not pay the inpoundmoney for the property insurance.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am having issues with citi bank on my sears card and XXXX XXXX XXXX  there is fraud on my accounts and they keep calling to harass me over and over they call over 10 times a day and think it is okay. They refuse to listen and ignore any letters and faxes sent by us. They threaten to charge the debt off and put it on our taxes when over 99 % of the amounts were fraud and they sent us papers and we told them to stop calling and they refuse to. I am sick and tired of this because they are clearly breaking laws and they think it is okay. We want them to work with us and apologize for things and send us a written letter about things and such. They only call and refuse to send us anything in writing about the debt only when we request it they keep finding it to be a real debt when it is not just because the card was used the chip. Anyone can clone it and it is really not that hard like they think. Plus we had issues with another person under by name as well. I am very mad about this and they are breaking multiple laws and I want compensated for the laws they are breaking we are getting a lawyer because of the fake things they say are true.

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 05/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The original debt and lien was created by XXXX XXXX, XXXX in XXXX, Texas, An unlicensed mortgage banker. The debt was supposedly transferred to XXXX XXXX after closing, however, there is no record of that transfer in XXXX County, Texas as is required by law in the State of Texas. 

The original creditor, and not the debt buyer, is the party responsible for reporting information about the debt to the credit bureaus. Typically, at some point prior to selling the debt, the original creditor will report that the debt has been " charged off. '' The debt buyer can not change or remove this information from your credit report. Only the original creditor can do so. 
XXXX XXXX was our original creditor and as the chain of title with lack of registering any transfers according to the laws of the State of Texas, that would legally make XXXX the purchaser of a debt and not the legal holder of the Deed of Trust and Promissory note. 
This debt has been cancelled by Declaratory Default Judgment of wrongful foreclosure XX/XX/XXXX and the Deed of Trust and Promissory Note is no longer enforceable. 
" The damages for wrongful foreclosure, particularly a willful ( or knowingly ) wrongful foreclosure ( in a non-judicial foreclosure state ) can be quite substantial, including the loss in value of your property, the costs to you of having a poor credit rating because of the foreclosure, the costs of moving elsewhere, emotional distress, and various other costs, including consequential damages which the bank could have foreseen when it wrongfully foreclosed. '' These actions have caused undue hardships on us financially and personally. A seemingly willful disregard for the laws of the State of Texas and refusing to abide by the orders of the court seems to be a matter of contempt. 
The reported no payments were court ordered as the foreclosure process was wrongful and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Banker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. 
The mortgage began XX/XX/XXXX and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. 
Roundpoint Mortgage Servicers is the company, along with XXXX XXXX that put the pressure on us and refused to speak with me, the XXXX person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and XXXX XXXX Servicer as a Debt Collector, refuses to close this and wipe the slate clean.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: MY LOANS WAS SOLD TO CALIBER HOMES FROM XXXX MY MORTAGAGE HAS RESPA VIOLATIONS ON AND I HAVE A 7 PERCENT INTEREST RATE I WILL NOT LET THESE MONSTERS TAKE MY HOME, I WANT A MODEST INTEREST RATE AND A REDUCTION IN PRINCIPAL I OWE XXXX ON MY HOUSE ITS WORT XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/18/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax has reinserted an incorrect item for the third time. Case XXXX, Was removed XX/XX/XXXX, reinserted XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Debt collection (Medical) with CCS Financial Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CCS companies called for XXXX XXXX regarding my estranged daughters bill. Lady was very rude & at first would not tell me who the bill was for.rude lady kept telling me that I would pay the bill & I had no choice at the beginning she would n't tell me who the bill was for or what the service was for. I told her she could send me a bill so I could see what service I had & she said it was to late for that & then my husband took the phone.XXXX told me that I am not responsible for her bills even on my insurance. I keep her on it just as a responsible patent thing to do. She has n't had contact with us in almost 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: For the second year in a row, I am expected a $ XXXX escrow refund from Quicken Loans. Essentially, I am giving Quicken Loans an interest free loan. They do not pay interest on this money back to me. It is absurd that they do not adjust my escrow and instead keep what amounts to an extra mortgage payment for one year before providing me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (AZ).
Issue: Trouble during payment process

Complaint: Dear Sir or Madam : I am writing to ask that you please remove the 30-day late payment report that Chase submitted due to a system ( Chase.com ) programming error showing incorrect figures on our HELOC account at the time our credit line converted from draw to repayment. 

My husband, and I have had this home equity line of credit ( originated with Chase ) for approximately 10 years. We have paid the monthly payment on or near the XXXX of the month, every month since we opened the account. 

In the beginning of XXXX we received written notification that our credit line would be converting from draw to repayment starting in XX/XX/XXXX. In mid XXXX XXXX, when I logged on to Chase.com to pay our bills that were due -- something that I have done twice a month for the last several years -- the Chase.com website showed that there was a payment of {$360.00} due on XXXX XXXX, XXXX. I understood this meant what it was displaying, that the next payment for the account was due on XXXX XXXX, not XXXX XXXX. When I logged on to Chase.com in mid-XX/XX/XXXX to pay the bills again, the website displayed this time that an amount of {$0.00} was due on XXXX XXXX, XXXX. I surmised that this must be due to our credit line converting, and as directed by your website, Chase.com, I did not pay the bill because it showed that an amount of {$0.00} was due on XXXX XXXX, XXXX. 

It was not until a collections representative from Chase called my husband on XXXX XXXX, XXXX asking when my husband would be making the XXXX payment that we realized that what your website had been reporting was indeed erroneous ( likely, a result of the account converting from draw to repayment ). We promptly paid the outstanding two months due to bring the account current. My husband explained the aforementioned to the collections representative from Chase, and she told my husband that she would wave the late fees and as long as the account was brought current in the next day -- which we did -- we would not be reported to the credit bureau. 

It was not until my husband was in the process of completing a mortgage loan refinance with Chase, shortly thereafter, that the mortgage broker representative from Chase notified him that we indeed had a 30-day late payment that had been reported to the three credit bureaus. My husbands credit rating had dropped below XXXX, and we were no longer eligible for the loan to refinance on the terms that my husband and the broker had previously discussed because of his adjusted credit score, and therefore ceased the loan refinance. 

This clearly was a mistake. We trusted that the Chase.com website listed accurate account information for the payment of our credit line, as it should and has for many years when we have made our our payments online, and therefore should not be penalized for a website programming error.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Closing on a mortgage

Complaint: On or aboutXX/XX/XXXX, we notice a Mortgage Lien on our Deed from Wachovia Bank in the amount of {$110000.00} that was n't our 's. We contact them to request a copy of all documents as proof of a completed Loan Application, Origination Documents, XXXX Application, Truth and Lending Documents that were signed by the property owners. 
We also asked for a copies of all payment received from us as Mortgage Payments. 
As of this date, all we have received from them if request for Account Number which we do n't have. They 're ( Wells Fargo formerly Wachovia Bank ) saying verbally there was no Mortgage with them. We brought this house inXX/XX/XXXX for {$92000.00} and we are trying to clear these small matter so we can retire.

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