milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Application, originator, mortgage broker

Complaint: I got pre-approved for a conventional 30 year mortgage with Wells Fargo Bank in XXXX 2015. In XXXX 2015 my offer on a condo was accepted by the seller and I began the mortgage application process with Wells Fargo. The bank agreed that they could complete the loan process on the expedited schedule that the seller requested for the sale of the property. There were many delays during the first few weeks of the loan process, but XXXX XXXX XXXX, the mortgage banker, continued to assure me that she could get the loan done in time. Approximately 3 days before I was supposed to close on the property, XXXX XXXX called me and said that they could n't do the loan unless I paid another {$150.00} to file an exception, which she said would allow them to complete the loan and allow me to close by the end of the week. I felt that I had no choice but to pay another ( non-refundable ) fee, or I would lose out on the home I was planning to move into within a week. I had already paid {$490.00} for an appraisal and credit report that the bank ran for the loan application. Two days later I called XXXX XXXX to find out what time my closing would be the following day and was told that I could n't close, as my loan had n't been approved. I was informed that they would need at least 60 days to process my mortgage, and could never have done it in the shorter timeframe that they initially agreed to. She began to push me towards an XXXX loan as an alternative to a conventional loan, suggesting that they could get that completed sooner. An XXXX loan was not in my best interest and I told her several times that I wanted the conventional loan they had originally pre-approved me for. After an extension of several weeks, and with me calling the bank everyday to find out what was going on, I was told that they could n't do the conventional loan and that if I did n't want to switch to an XXXX loan, that it would be best for me to move onto another mortgage bank. I would be provided with any paperwork they had, but none of my money would be refunded. After struggling with the decision to walk away and lose out on a lot of money that I paid in good faith based on XXXX XXXX 's assurances that they could give me the conventional loan they had pre-approved me for, I switched to a different lender, who was able to process my conventional mortgage loan within 3 weeks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Payday loan, title loan, or personal loan (Payday loan) with SUN LOAN COMPANY INC. (TX).
Issue: Struggling to pay your loan

Complaint: Sometime on or around X/XX/17, the company called 2 of my references to collect a loan. How I found out is both references called me in regarding the call they both received from the company. The company stated to my references, " this person ca n't pay his loan, is there anyway you can get ahold of him ''. Now I understand calling my references to get in touch but where I 'm upset is that told my references personal business that should of stayed between the company and myself. I explain to the company numerous times that I lost my job to give me some more time. I will make a payment. They undertood and my story did n't change. But for them to call my references and say I ca n't pay my loan is no one else 's business. I read my contract, and it does n't say the company has the right to tell anyone my persianl sisuation.

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 06/29/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I appeared in cattaraugus Supreme Court. Honorable XXXX XXXX the judge hearing Chase bank foreclosure case against me. I have written several complaints to CFPB. One fact regarding a lawsuit that Federal Trade Commision filed against the bank which ended up in a settlement in XX/XX/XXXX. Which states the bank can not start a foreclosure unless all disputes have been taken care of. Chase bank had refused to follow the FTC settlement and started foreclosure any way. Chase has tried to push foreclosure through without resolving any of the disputes in my mortgage. Even my complaints there response has been that of taking no responsibility for problems that have cost me great deal of money. XX/XX/XXXX Chase told XXXX XXXX that they were working on a payment plan with me, and Chase wanted a three month postponement. I tried to tell the judge that it was n't true I had not heard from Chase. XXXX and XXXX Chase attorneys told the judge they would call loss and litigation to find out what 's going on. Court was postponed to XXXX XXXX XXXX. Court was again postponed until XXXX XXXX XXXX. Chase has never contacted me regarding any payment agreement or what they plan to do with my disputes. On XXXX XXXX XXXX. Chase stated they needed another 30 day ajornment. Mean while we have been in modification hearings and foreclosure court for 4 years. Chase has never spoke with me. I am being charged legal fees this whole time and house maintence fees. Chase stated to Judge XXXX the had a complaint they had to deal with. It was the reason they needed another adjournment. Chase has demonstrated tactics to eliminate disputes in mortgage and not resolving anything. Court now is in XXXX XXXX and to this date I have not heard from Chase. But legal fees keep adding up.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did not request or receive a loan from anyone. I have had no dealings with this company. I am being contacted by repeatedly by several different companies and each time the lender and collection name changes. I am not even sure how they got my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Student loan (Federal student loan servicing) with COAST PROFESSIONAL INC (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I am in the rehab program with Coast professional. I just completed a rehab program with XXXX who took out payments via ACH. Coast however was drafting payments off my debit card. A couple months ago I replaced the lost debit card causing me to miss two payments within the rehab program barely catching it before 90 days. I had the money in there but received no call, email, or letter letting me know a payment was missed. Apparently they did not have my apartment number on file. 

I suppose I should be grateful that I was allowed to make a payment and continue the program. They told me that if I had not called within the next 3 days I would of had to restart the whole program from scratch and lose all my payments. I had made 4 payments before this happened, however they said because I missed two payments they were taking two payments away. So the payment that should have been my fifth was counted as my third. Essentially they pocketed a little under {$400.00} ( 2 payments ) of my money and extended out the length of the program a couple of months.

This just does n't make sense to me. Especially since I made two payments at once to get through the program faster and you are allowed to miss one payment during the program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Payday loan () with ZARVAD III S.A. (NV).
Issue: Can't contact lender

Complaint: I received a loan for XXXX from mypaydayloan.com. I needed to change my banking info but I 've been unable to log in to see any of my information and also they do not give you access to view your loan contract or payment history. Because of this and not being able to contact them by phone the loan has now defaulted. Immediately following the default they began to send me harassing emails stating that I would never be able to get a bank account or write checks at XXXX and XXXX. I contacted the XXXX to file a complaint because they are also not licensed in the state of Nevada. The XXXX could not assist me because they could not find a valid street address. I called mypaydayloan.com and asked for their mailing address. The gentleman I spoke I said they were located in XXXX XXXX and he seemed a little unsure of the address he was giving me and had to correct himself several times. I 've never experienced this with a creditable business. I believe they are preying on people by barring you from seeing your loan contract and at this point they wo n't even let me log in to their website at all and I 'm still being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with EQUIFAX, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Public record of tax lein on my credit report from ex husband is cleared and still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Medical debt) with CB1, Inc. (MT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've never filed for Chapter XXXX Bankruptcy ; and this debt is not even mine ; This needs to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Trouble during payment process

Complaint: New information based on CFPB, XXXX, we sent out a debt validation letter on this property with loan number ending XXXX. This is the information they sent back. 
The debt was not validated and they are collecting the debt.

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 04-08-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I got divorced in 2012 and my financial situation changed drastically. I have appealed to PNC Bank/PNC Mortgage for assistance with reducing my mortgage payments from {$1100.00} a month to a more affordable amount but they have refused to work with me by continuously stepping outside of the law to delay modification. I have used several organizations along the way to assist with getting PNC to modify my loan but I got ripped off and ended up in an even worse situation than before. PNC will not accept the Divorce Decree or Quit Claim Deed as the foundation for why I need the loan modified without the assistance or signature of my ex husband. The original loan was in both our names, but since the divorce, I needed to modify the loan so I could afford the payments. PNC will not assist me because my ex husband no longer lives in the home or has any rights to the house. My Divorce decree is a legal binding document which shows that the home was awarded to me, and my ex husband has no rights to it. PNC has done everything in their power to delay the process for assistance, which through the XXXX XXXX Georgia program, I am very much qualified for. I need help badly. My home has been in a place of foreclosure about a dozen times, and I always manage to get it out through bankruptsy filing or by other means. I have done everything PNC has asked and when I complete a packet and send it to them they go against what they themselves have asked me to provide, and decline my request. Every single time, over the past 4 years. I am behind in my mortgage, an every time PNC denies my packet, it adds more money to what I already owe them. I have reached out to everyone at PNC but they say their hands are tied because the loan is owned by an investor XXXX XXXX XXXX XXXX and the investor does not take part in the modification or XXXX programs. They have created new rules along the way and have used every opportunity to stop my packet from going to full review and approval. Their tactics are illegal and it has been going on for 4 years now. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (HI).
Issue: Application, originator, mortgage broker

Complaint: Is Quicken Loans a Fiduciary or is their advertising False or Misleading. 

A Quicken Loan advertisement running on many podcasts states, " A company that has your best interests in mind. XXXX Mortgage.. '' I believe the plain meaning of these words that a reasonable person understands is that having " Your best interests in mind '' means Quicken Loans will do what is best and right for you, the customer or borrower. It means Quicken Loans will do what 's right for you, even if not necessarily best for them. They want you to believe they will act in your, the borrower 's best interest ... that is with a Fiduciary interest. This on its face seems false. The lender wants a high interest rate, the borrower wants a low interest rate. If they are not a Fiduciary with " your best interests in mind '', then Quicken loans is misleading. 

This ad was on the XXXX XXXX of XXXX XXXX, 2017 in the first few minutes. 
XXXX. Also I heard it on the XXXX out this cool episode : XXXX. I continue to hear Quicken loan ad including today on the Economist podcast. 

I have called Corporate Offices at Quicken Loans and asked about this ad I have not received a reply. 

I would appreciate appropriate actions to end Quicken Loans apparent false or misleading advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Customer service / Customer relations

Complaint: My mom is XXXX years old. She 's always on time but this month she did n't pay her bill on time, she paid 5 days late. Her mind has been preoccupied with the health of XXXX of my uncle ' that are XXXX. She 's having a hard time accepting the late fee. When she called them they said she had to pay. That it rightfully due. My mom became really upset. She does n't understand why they wo n't refund her account as a courtesy. She was n't happy by the supervisors attitude. Especially because she has had bad customer service experience with this bank. She 's never had a problem with other banks.

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 11/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I USED TO HAVE AN XXXX ACCOUNT FOR MY VEHICLE. I SOLD MY VEHICLE IN 2014 AND DID NOT RENEW MY XXXX ACCOUNT BECAUSE I AM USING XXXX AND DO N'T HAVE A VEHICLE ANYMORE. TWO MONTHS AGO I WAS TRYING TO GET MY STUDENT LOAN AND THEY PULLED MY FILE AND ADVISED ME THAT THEY CAN NOT FINANCE ME A LOAN BECAUSE I HAVE A COLLECTION FROM SOUTHWEST CREDIT SYSTEMS. I HAVE CONTACTED THIS COLLECTION AGENCY AT XXXX AND THEY INFORMED ME THEY ARE COLLECTION FOR XXXX COMPANY. I HAVE EXPLAINED THEM THAT I HAVE PAID THEM FOR FULL YEAR AND NEXT YEAR DID NOT RENEW MY ACCOUNT BECAUSE I SOLD MY VEHICLE AND DID NOT NEED XXXX ACCOUNT ANYMORE. ALSO I NEVER HAD A CONTRACT WITH XXXX COMPANY. THEY HAVE REFUSED TO SEND ME ANY TYPE A CONTRACT THAT I SIGNED. ALSO INFORMED ME THAT I OWE THEY {$120.00} AND IF I DO N'T PAY THEY WILL HURT MY CREDIT FOR ANOTHER 5 YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX obtained a copy of your EXPERIAN Credit Report on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I contacted XXXX via phone, letter, and contacting Experian requesting to provide me the physical evidence ( documentation ) that confirms I authorized XXXX to run my credit with Experian 2 times. Both parties have failed to respond to my request. Copy of the letters can and will be submitted upon request.

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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On X/XX/2017 I was on the XXXX site inquiring about a possible loan, # XXXX. The site offers a credit score ( rate ) check that will not affect the consumers credit score. It stated that a soft pull would be completed and not a hard pull. I am moving through the application not fully understanding that this was an actual credit application. No where on the site or statement did it say if you go any further a hard pull ( inquiry ) would be required. I later called customer service to ask before moving any further and was told I should expect that it would be a hard inquiry since it is credit related. I followed up by stating that no where did the application ask for authorization to pull my credit profile. Also, the customer representative telling me the truth in lending statement states a credit pull is necessary and then once he checks and he realizes that it does n't say a credit pull is required, then he states '' well you should have figured that out '' is an unacceptable business practice. My response to the rep is that most alternative loan sites do n't normally do hard pulls so you can not assume all consumers will understand that. It is also misleading because no where on the site does it inform the consumer that a hard inquiry is required to apply. I do not want a loan and was only researching rates and would like the credit pull removed from my Trans union profile. I should not be penalized because the site is not transparent. Lastly, why not be willing to help once you confirmed that the site is vague and confusing.

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 06/29/2017 about Debt collection (Federal student loan debt) with Northstar Location Services, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: NorthStar Location Services , LLC did not respond to everything I asked of them with the CFPB. I 've conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. <P/>According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28 In addition, This company according to my credit report is trying to collect on a debt from 1999. Which is way past the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with Ad Astra Recovery Services Inc (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been in a XXXX XXXX since XXXX 2015, all of my creditors except one has updated my information on my credit report. Ad Astra Recovery refuses to update the information with XXXX and I have spoken to them several times. I have tried to submit proof to them of my XXXX but they refuse to let me speak to someone who will correct the information. Page 17 of the document I uploaded clearly shows Ad Astra Recovery as a creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I believe that the timeline is officially over on the account in reference, and that the Consumer Financial Protection Bureau must be part of this process. I am also submitting a hard copy dispute to both the creditor and Experian. There is no other option at this time but a complete removal of the referenced account permanently.

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 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 have disputed, as well as sent an Identity Theft Report to TransUnion in reference to a Bankruptcy and some unauthorized credit inquiries that are showing on my credit file, and I keep getting a verified response back from them. They are not advising of how or who they are verifying through. I have called the Superior Court listed in the BK and I 've been told that they do not report nor verify anything with credit reporting agencies, I have checked with multiple third party consumer reporting agencies to see if TransUnion have attempted to verify this item with them and I have been told no, because it would have been a violation of the FCRA since all of my consumer files have a freeze on them due to identity theft. So I am unsure if TransUnion has tried to verify or validate this inaccurate account that is reporting on my credit file or if they just say it 's validated because it simply appears. I 've asked for the name, address, and telephone number, of who they contacted in order to verify the information. I 've asked to be informed of the name and title of the person in which they speak to to verify the information, I 've asked was the verification done in writing, was a UDF form used, or was this through an electronic automatic dispute verification and were you able to reach them at the same address/phone number listed on my report? 

I 've asked all of these questions so that I could follow up to see what information I would need to supply to have this information corrected, but have yet to r'cve any of the requested information.

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