milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2017 about Mortgage (FHA mortgage) with GUILD MORTGAGE COMPANY (NV).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XXXX XXXX, 2017 I applied for a mortgage with Guild Mortgage. I needed this approval in order to write a contract on a home I wanted to purchase. I did a complete application online allowing the mortgage company to run my credit. I also provided the loan officer all of my financials, tax returns, paystubs, XXXX, and bank statements. The loan officer was also provided a copy of the purchase contract from the builder, as I ended up writing an offer. I was never provided a copy of my loan estimate or disclosures, so they are in clear violation of TRID.The loan officer told me I was pre-approved and qualified to purchase the home. I gave the builder close to {$10000.00} earnest money and attempted to satisfy my approval conditions over the last 3 months which included paying off debt and liquidating funds from my 401k for the down payment. The home is new construction and is supposed to be complete in XXXX. On XXXX XXXX, I called the loan officer knowing I would need to update my financials, and found out he decided not to process my loan and had shredded my information. I was never informed of this and never requested them to cancel the loan. Now they are telling me since they did n't process the loan in XXXX upon my initial application ( which is also a violation ), I 'm not really approved and can not approve me at this time. I am going to lose my earnest money, penalties I incurred on the withdrawal of my 401k funds, and I have paid off liabilities that did not need to be paid off, which put my in a hard spot.I have tried to call the managers there, and they said there is nothing they can do. Unfortunately, the only paperwork I have is a prequal letter since they never provided my any further paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted both XXXX and Midland Funding concerning an account that is listed on my credit report by Midland Funding. XXXX was unable to provide an explanation of the exuberant charges that Midland Funding was attempting to collect. Midland has not provided an explanation of the charges either. I have contacted them by fax, phone and mail. This account undoubtly includes cramming charges not authorized by me and that I do not owe. XXXX 's practice of cramming is well outlined in a complaint filed by the FTC where XXXX has agreed to reimburse negatively affected customers for these erroneous charges. 

Not only has Midland Funding continued to try to collect these unowed amounts but they also have reported this to the credit bureaus and verified the reporting of the same when I attempted to dispute the charges with the credit bureau. 

To date although requested Midland Funding has provided no valid proof that I owe this debt and can not provide the same because I do not owe this debt due to the cramming charges.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Other debt) with Penn Credit Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Collection company for XXXX XXXX project is collecting on a fraudulent account. I received no notification of debt or the ability to dispute the debt as invalid. I have filed a Identity theft report with the FTC as well as a complaint with CFPB and the AG of AZ. Direct contact with the CRA and OC as well as the debt buyer Penn Credit Corporation has yield zero results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (CO).
Issue: Managing the loan or lease

Complaint: My monthly statement does not include my payment amount from the previous month. There is no easy way to track the amount paid to principal and to interest. Therefore, I do not know if my payment is being properly applied each month.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Consumer Loan (Installment loan) with Flurish Inc. (CA).
Issue: Shopping for a loan or lease

Complaint: According to XXXX XXXX and LendUp.com, I am eligible for a personal loan that would be able to help me squash some debt. After showing me that my score falls into a " approval zone '', I get denied because of lack of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I disputed some inaccurate items that are on my credit with Equifax. It has been 60 days and I still have not heard anything from them, yet the items are still reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IN).
Issue: Closing on a mortgage

Complaint: On XX/XX/XXXX, we received an email XXXX XXXX, Mortgage Banker at Chase Bank, indicating that we were eligible for the Education Benefit Program, " United Guaranty 's Home Buyer Education '', and accordingly we completed the course on XX/XX/XXXX to earn {$500.00}. However, despite a confirmation email on our successful completion of the course and numerous promises by XXXX XXXX, including telling us on XX/XX/XXXX that we would receive the check in 7-10 days, we are still yet to receive the check. Furthermore, after numerous phone calls and stating that he was still checking on it but then we were informed that we were no longer eligible due to the amount of down payment despite completing the course months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (KY).
Issue: Loan modification,collection,foreclosure

Complaint: Tried to get loan modification ..Nationstar mortgage kept losing my faxed documents.2 and a have years later, they send me paperwork.My new payment amount {$290.00} and change. then a letter with different amount. I also signed up for auto withdraw.I told them no withgraw on XX/XX/XXXX as per agreement. They sent letter to remind me I now had to send {$370.00} in check by XX/XX/XXXX. I waited till XX/XX/XXXX to make sure no autowithdraw. there was none I sent check, two days later they withdrew money. I had to cancell check. {$30.00}. In short every thing they have told me about has been a lie.I did sign the loan w/this company anyway, they ( bought ) my loan. please help..

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My debt is currently being managed by a credit counseling agency - XXXX XXXX XXXX. My credit card accounts were all negotiated and new payment terms were agreed upon with all of my creditors. XXXX XXXX  Credit has continuously accepted payment and has agreed to new payment terms, yet has marked payments late each month for the past year. Each time I attempt to reach out to XXXX XXXX via telephone, I am told that they have no record of my calling, of my credit counseling program, or of the new payment terms. I have exhausted all efforts of attempting to resolve this matter myself and would like for all late payments to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (MT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolios recovery keeps calling after I told them repeatedly I have no money at this time and I am XXXX and can not work at this time. I realize I owe money but calling me and harass me is not putting money in my pocket

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (SC).
Issue: Struggling to pay mortgage

Complaint: Good morning, I'm writing to you in the hopes that you will assist us with resolving our foreclosure issue with Chase Bank. 3 years ago, my wife was diagnosed with a very serious medical condition and, with the number of medical expenses that followed, we fell behind on our mortgage payments. She's better now and I have more than enough disposable income to Warrant modifying our loan and returning the good-faith payment. Chase has denied my modification requests for 2 years now! I've included a copy of my income and expenses, for your proof that we are able to handle our payments. Will you please assist us immediately?? The psychological toll is beginning to affect my wife 's health again - thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Th  e " annualcreditreport.com '' website is a piece of junk.
The CAPTCHA form is c  lose to illegible, requiring multiple attempts that often abort the process.     The use of popups also causes the process to abort.     I was able to obtain only  XXXX  of  XXXX  reports. The other  XXXX  apparently thought the report had already been provided, when it had n't, probably due to popups aborting the process.

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 10/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Bank of America closed my Visa credit card account and kept my rewards, which amount to {$64.00}. The Bank assured I can not log into my account to further defraud me. 

Bank of America should return the {$64.00} reward I accumulated, just prior to Bank of America choosing to close the account. 

If this can not be resolved via CFPB, it will be resolved in the Court of Public Opinion and the Local Court.

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 monetary relief
Consumer complaint received 12/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hunter Warfield is price gouging. I have attempted to settle the debt. The company continues to raise the price. The first settlement was XXXX then XXXX now it 's XXXX. I paid XXXX to the original debt at XXXX. The company was sold now hunter Warfield is trying to from them and take advantage of my situation. The rent owed was XXXX of which I paid XXXX before I left ( courthe documents prove ). Now, there were clothes on the floor when I left that 's it. Carpet must be changed for each Tennant as per tn state code yet they charged me for carpet. I was actually in my last month of my lease so there were no extra charges. I am willing to pay a fair amount, XXXX is ridiculous expecially since the company no longer exists.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Credit decision / Underwriting

Complaint: We applied for a refi of our 30 yr fixed mortgage with wells fargo. The very first step was payi g {$30.00}, and wells pulling our credit report and score. Based on that report and score, wells put us in the loan process. 
Then wells took {$500.00} from our Wells checking account for a property appraisal. Appraisal went fine and title insurance went through also. Then wells account rep XXXX XXXX told our homeowners insurance XXXX XXXX to change payee from XXXX ( existing mortgage holder ) to wells. All items went through the full underwriting and were approved. After discussing that I am XXXX and on SS XXXX, my refi was suddenly closed with no explanation. When i called I got a form letter saying it was my credit score but mortgage brokers said wells does loans with scores lower than mine and i wouldve beenscreened out at initial application, and the credit score was step 1 and they approved it. I think i was turned down for being XXXX. XXXX XXXX still shows wells fargo as payee and say loan was approved. They say only wells can change it. If my credit score was no good why did they take {$500.00} for an appraisal and change my insurance policy payee and do title insurance? plesse help me.

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 03-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am filing this complaint because XXXX has ignored my request to remove the listed UNAUTHORIZED inquires from my credit report. I have contacted every creditor and they have reassured me that these inquiries should be removed immediately as they were submitted without my permission, yet the Credit Reporting Agency continues to list inaccurate, misleading and unverifiable information. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 01/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a federal loan through Navient. I am under an IBR repayment plan where I am currently paying {$410.00} per month. On XX/XX/XXXX and XX/XX/XXXX, my bank received a ACH withdrawal request for {$2100.00}. Navient is closed for the evening, but the only thing that I can think of is that it is time to renew my IBR, and I have not received any notice from Navient that my IBR renewal was due and I updated my contact information XX/XX/XXXX. They did not call me when they tried to withdraw {$2100.00} from my account and it did not go through. Instead they kept trying to make a withdrawal, causing me to incur additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been trying to repay my loan quickly with no help from Navient ( XXXX XXXX ) whatsoever. I keep asking how I can bring my interest rate down or pay towards my principle with no answers. Every time I call I either get redirected or told that there 's no easy way to do that or that they ca n't help me. I have been paying it for over six years, owing almost the exact same amount. I have never stoped paying and have been on top of paying extra but it just says they will apply it to my next payment. They also raised my interest rate without telling me after I signed up for automatic payments. They lowered the automatic payment amount when I had set it above the minimum. Now my interest is at 8.35 % and they said they can raise it whenever they want. I 'm not sure how much longer I can keep paying this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This auto issue to collect from me is made by my ex wife not me ... ..she is legally responsible for this auto loan thats in collection ... ..it shouldnt be on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After the dispute the creditor has instructed the major credit reporting agencies to delete this account from my credit files and I request assistance from the CFPB to ensure that this is completed.

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 12/13/2017 about Debt collection (Medical debt) with EQUIFAX, INC. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Equifax Account type- Collection Account Status- Closed Date Opened- XXXX/2014 Payment Status- Unpaid Amount- {$290.00} This is an OLD account that should have fallen off my credit report and it was handled years ago in a dispute. The case was paid by my insurance and verified YEARS AGO. Both XXXX and XXXX are no longer show this on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WI).
Issue: Problems caused by my funds being low

Complaint: My Bank, Wells Fargo Bank in XXXX, WI suddenly changed a practice from the one I was accustom to doing my banking based on, to one that I was completely unaware and unfamiliar with. This change resulted in me incurring over XXXX in overdraft fees over about a two week period of time, before I was able to learn what was going wrong. The changed practice was to start assigning the prior days date to transactions that arrived at the bank after either XXXX or XXXX. In addition they took overdraft protection off my account after persuading me to switch to a different type of account without informing me that this new type account would not include overdraft protection. The combination of this two events at the same time resulted in me paying all those OD fees on my checking account while having money in my savings account that could have covered the purchases had I been aware. But by assigning the prior days date by the time I became aware the overdraft fee was already applied. Additionally, I was in communication with Wells Fargo bank daily trying to get a handle on the situation. However, it was not until toward the end of the situation that bank staff informed me about the removal of my overdraft protection and the new practice of assigning the prior days date to charges coming through after a certain time.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TN).
Issue: Settlement process and costs

Complaint: This is my XXXX complaint on Chse Bank due to a home I have been trying to sell and now short sell for three years. We just recently got an offer within the limits and requiements of the short sell but Chase Bank is not using the recent appraisal of XXXX to make their decision and are denying the offer. Chase is still using an outdated appraisal of XXXX to make their decision. This is really hurting our chances of keeping these buyers and getting this property sold.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WI).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Chase seems to be systematically trying to save money at the expense of their cardholders ' credit scores. I  have a  ( 1 ) Chase Freedom card and an ( 2 ) Amazon Prime [ Chase ] card and my wife has a different ( 3 ) Chase Freedom card that I am an authorized user on. Three times in the last 6 months my wife and I have been  notified that we were delinquent on our credit card payments and the reason is that we never received statements. Why did we not receive statements? Because, as Chase said to me over the phone in  XXXX   2017   ( I think ), I must have signed up for Paperless Statements on my Amazon Prime [   Chase ] card. I explained to them that the way I do my monthly bill payments, I MUST have a paper statement sent to me and that I would have NEVER EVER agreed to or signed up for paperless statements. Next came my wife 's Chase Freedom card  which we were informed had a delinquent balance in  XXXX  or  XXXX  of  2017 . Same ca ll to Chase, same response from Chase. No w today,  XXXX   XXXX ,  2017 , I received a text from  Chase about MY Chase Freedom card being delinquent. Same call to Chase, response from Chase rep was that he did not understand how it could be possible that I was switched to paperless statements without my approval because that was the only way ( to his knowledge ) that one 's account could be switched from paper statements to paperless. Coincidence? ... ..three times? I do n't think so. Th is is fraudulent and I hope that CFPB can do something about this. CONSUMERS BEW ARE OF CHASE 'S FRAUDULENT BUSINESS PRACTICES. I 'M SURE THAT I AM NOT THE ONLY ONE THIS HAS HAPPENED TO AND THAT I AM NOT THE ONLY ONE WHO HAS MADE A COMPLAINT ABOUT THIS. CHASE DESERVES TO HAVE A CLASS ACTION SUIT FILED AGAINST IT ON BEHALF OF THE CONSUMERS WHO 'S CREDIT SCORES THEY ( CHASE ) HAVE ADVE RSELY AFFECTED.

Company response to consumer: Closed with explanation