milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2015 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: My wife and I applied for a refinance of our current mortgage with Loan Depot in early XXXX. XXXX XXXX was my contact in the beginning and I answered ALL of his questions. After XXXX hard credit inquiries in 33 days, including XXXX in one day, I was told they could not refinance because I had over XXXX acres and had acquired an equity loan several years ago which I paid in full. They NEVER asked me the acreage or if I had ever had an equity loan.If they had ask these questions initially the loan process would have never started and there would not have been XXXX hard inquiries on my credit report. I asked them to remove at least XXXX of the the credit inquiries, if not all of them, since they failed to ask the proper questions and they refused! Also I received a letter of Adverse Action Notification which stated that I had over XXXX acres, said nothing about the equity loan but said that the " value of Type of Collateral not Sufficient ''. The loan request amount was {$110000.00} but the appraisal was {$230000.00}! The insufficient collateral statement is totally false! 
My goal is to get these credit inquiries removed. If Loan Depot had done their job properly and efficiently this 45 day process and all the credit inquiries would not have been necessary. 

Regards, XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX : All reported charge offs To whom it may concern I am responding to your contact bureau about all accounts regarding charge offs in my name. Since XXXX XXXX, XXXX after my mother 's death on XX/XX/XXXX. I have a solid reason to contact and firmly request removal of all charge offs and collections. Since XXXX my parents accounts have been through identity theft and estate fraud. I have found that I too have had identity fraud attempts or uninformed activity. For me, it started XX/XX/XXXXand continued to the present XXXX security breach. I have disputed credit cards and banks but have not had any resolution. In XX/XX/XXXX, I found that my credit went from a XXXX to a XXXX. I have had seen that my previous addresses show me living in a different city in California which prohibits me from benefits, awards and employment. I have requested removal from all three agencies, XXXX, XXXX and Experian. This is an industry failure at the expense of individuals. 

Inform all agencies to stop all communication with me and with this address, and record that I dispute of having any obligation for this debt. Stop any collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I applied for a Home Depot credit card, offered and serviced by Citibank, to purchase {$420.00} of merchandise. In XX/XX/XXXX I received a collection call from Citi that my payment was late. I told them I never knew a payment was due because I didn't receive a statement. The collector asked if I would like to make a payment over the phone. I told him send me the bill, I will review the charges then make the full payment. I also asked if he can you waive the {$25.00} late fee. He agreed to waive the late fee once the payment was received and if I called back. There was no mention of when his promise to waive the late fee would expire. Shortly after our conversation, I received the bill and paid the entire {$420.00}. 

XX/XX/XXXX I noticed I had 2 late fees - one for XX/XX/XXXX and another late fee for XX/XX/XXXX. The second late fee was applied because my first ( XX/XX/XXXX ) late fee was not removed. I called on XX/XX/XXXX and they removed the most recent late fee, but stated they can not remove the original late fee because it was against company policy. After multiple hours ( combined conversations ) with several difference collectors, a  review of the original call log. They refuse to waive the fees that were a result me never receiving the original statement. 

I made the full payment of {$420.00}. The only reason I was charged 2 late fees was because I never received my first billing statement and because the original late fee was not removed.

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 02/15/2018 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (CT).
Issue: Trouble during payment process

Complaint: XXXX-18 : PHH Mortgage Services attempted to make a phone payment. in order to do this, they required I verbally record my voice agreeing to legal terms not on this company 's website - unreasonable tried to make payment on website - couldn't login. requested password reminder. after 16 minutes, received a reset. after 3 attempts it did not work and locked me out of my account. password requirements were excessive : " Your password should have 8-14 characters including at least 3 from the  following character types : number, uppercase letter, lowercase letter, special character ; no more than 2 consecutive repeating characters ; can not contain your username, first or last name ; field is case sensitive. " tried to contact technical support. website said they were open until XXXX XXXX, called at XXXX XXXX. recorded answering machine said close at XXXX call back during regular business hours. incorrect hours listed on the company 's website. 

can not make payment on time. got paid today. payment due today. I am blocked from paying this on time. I have been trying for over an hour. There is no way to make this payment after XXXX. I was at work until after XXXX. 

Terrible company to work with. This is not the first time this has happened to me. This is my second complaint for similar problems. Last time, I received a letter from the President saying to use their other website : http : //homeloans.tiaa-cref.org. That site has as many problems if not more. I was also offered the ability to make phone payments at the discounted rate of {$7.00} a payment. Crooks! 

I log into 10 websites a month to make payments. This is the only unethical company that blocks me again and again from being able to login, and then charges me for paying late.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Medical) with Firstsource Advantage, LLC (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Receiving collection notices in my name for medical debt incurred by my granddaughter who is XXXX years old and has nor lived with me in over five years. I have told them not to contact me since I have no information about the debt or her whereabouts. I consider this harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I CHECKED MY CREDIT FILES AND FOUND FRAUDULENT INFORMATION I NOTIFIED THE THREE CREDIT BUREAUS AND WAS ADVISED BY THEM TO GET A POLICE REPORT I DID AND MAILED IT OFF WITH THE FRAUDULENT ACCOUNT INFORMATION. THE FRAUDULENT INFORMATION IS ( XXXX XXXX XXXX XXXX XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Mortgage (VA mortgage) with loanDepot.com, LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: We purchased our home while XXXX was XXXX XXXX XXXX. Upon leaving the military in XX/XX/XXXX 2015, his job that was promised did not happen and became underemployed. I, XXXX, became XXXX with XXXX and on full bed rest and on XXXX from work. The XXXX were born 3 months early. One XXXX has major health issues that require special care. XXXX tried to find a better job and once employed did not receive pay for a few months. At this point we could n't keep up with the payments and fell behind on our mortgage. Now we are in a desperate need of a short sale. We have an offer on our home, we just need more time to get it reviewed by the bank. Will you help us get the foreclosure sale date postponed? It is currently scheduled for XX/XX/XXXX. The bank is Loan Depot and the loan number is XXXX. Thank you so much for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (NC).
Issue: Trouble during payment process

Complaint: To help in resolving communication problems we are having in understanding the responses provided and received from Specialized Loan Servicing it is most important our two requests be provided.
1 ) The first request is : We are encountering problems concerning the previous communications with Specialized Loan Servicing during the months of XXXX XXXX thru XXXX of XXXX. We are requesting the copies of all written correspondence between us during that time period to confirm they are from XXXX and XXXX XXXX 2 ) The second request is : Please provide the date of the first correspondence that SLS provided and sent the alleged Home Equity Credit Line and Disclosure Agreement showing the rubber stamped endorsement of XXXX XXXX XXXX next to signature of XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Recently I received my homeowners policy bill for XX/XX/XXXX. I noticed that my policy amount had increased over 10 %. I made inquiry regarding the increase, and was told that it was because of my credit score/ and credit comments. My credit score ranged from XXXX - XXXX, XX/XX/XXXX. I have excellent credit scores. I was told that because inquires were made on my account, this was the reason why, my insurance policy rate was increased. I asked the person I was talking to this question! Each time companies checks my credit score or history, my credit score, is negatively being impacted. The person 's response was, " Yes ''. Why would a person 's credit be negatively impacted, simply because they are trying to find better rates of insurance on their homes, and/or autos? This does not make any sense. I could understand if a person, received credit, or incurred some type of increased debt, their score would be negatively impacted. However, simply inquiring or seeking to get better insurance rates, on their homes, vehicles, or seeking credit, should not negatively impacted, their credit scores. The system is indeed rigged. A person 's credit is dinged each time an inquiry is made, and they are dinged again, if they obtain credit, or increased debt. " What is wrong with this situation? '' Please can someone tell me why this is the case? Impacting a person 's credit, after they get the credit might be appropriate, but doing it simply for making an inquiry, is double jeopardy. I am requesting that the Consumer Financial Protection Bureau, investigate this matter. American Citizens, are having to pay higher rates for credit, insurance, and other financial transactions or instrumentalities, simply because inquiries are made into their credit history. Credit Card companies, and other institutions are receiving XXXX dollars, because of this practice. It should be illegal, for these institutions to decrease a person 's credit scores, solely because inquiries are made into their credit history. If a person 's credit scores must be adjusted or negatively impacted, it should be done, if and only if, credit is issued ... XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX ... Email : XXXXXXXXXXXX Tele : XXXX ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have made XXXX request with Experian to provide documentation that the credit bureau uses to verify the unknown collection accounts that are on my account. In the results of their first re-investigation, they stated in writing that they " verified '' that those collection items were being " Reported correctly ''. As of today, I have yet to be sent any documentation verifying those collection accounts. They have ignored my request to provide me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or CAN NOT verify any of those collection accounts and under Section 611 ( 5 ) ( A ) of the FCRA, the credit bureau is required to " promptly DELETE all information which can not be verified. '' I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
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: On    XXXX   XXXX   XXXX    and in   XXXX   XXXX   I notified  Capital One  that the balance they were/are reporting for account is incorrect.      Capital One fil ed a  XXXX  notice with the IRS in  XXXX  declaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my  XXXX  tax return.     Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that  Capital One  is reporting to the credit bureaus, and also being over credit limit.     I submitted a fair and reasonable offer to settle this account. This was based on the corrected amount and also  Capital Ones  various FCRA violations in the handling of this account.     They have failed to respond to the notification of the incorrect balance being reported, or to the settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: People are having difficulty freezing their credit with transunion. They are currently pushing to purchase their own credit monitoring service before you freeze your credit.

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 10/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with WELLS FARGO & COMPANY (NM).
Issue: Money was not available when promised

Complaint: I am a customer associated with the Wells Fargo Bank. I recently became a member of XXXX XXXXs and after submitting my information I was going to receive currency from said app. However, it says that Wells Fargo is a supporter of the application but I have yet to receive anything due to my bank not accepting. I would like to receive the currency to continue being a member of both parties. 
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 10/26/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Trouble during payment process

Complaint: Paying my mortgage on line, it stated my mortgage will go up almost {$200.00} more per month beginning XXXX2017, due to a shortage with my escrow. However, when I called customer service to get an explanation on how my account is negative ( when I have not missed a payment ), along with me reviewing the payment history on my account, it shows there are SEVERAL large payments that were not posted to my mortgage and went to " unapplied funds '' and a " lender paid expense '' payment of {$16000.00} that was also posted under " unapplied funds ''?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted Capital One to set up an arrangement for my account. After speaking to multiple people I finally reached the credit department and they agreed to set me up on a payment plan for XXXX a month. I have yet to receive a letter so therefore I called to check the status. I spoke to a young lady that told me that my invoice would reflect XXXX and that is the statement that I would be responsible for. I made the payment of XXXX but they debited my account for XXXX, which the funds for that was not available for. In addition to the unauthorized payment, they place a 30 day late on my credit report. I have never been late paying them in addition, they totally confused me with the debit out of my account. I request to have my payment of XXXX removed and the 30 day late mark removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Trouble during payment process

Complaint: I filed a complaint against Bank of America Credit Card - Visa in   XXXX    because of severe security problems with their credit card. I decided to reduce my financial foot print with Bank of America because of this issue and a problem in  XXXX , where I opened a Traditional IRA and they opened a Roth IRA by mistake, potentially causing a serious problem with my tax filing if I had not read the fine print. At that time, I emptied my saving account of most funds because of their tolerance for such a large margin of error. In   XXXX   XXXX   XXXX  , I closed my credit card and saving account and moved my direct deposit from my employer to another financial institution (   XXXX   XXXX   XXXX   XXXX   XXXX   ). At the same time, I moved the direct debit for my Bank of America Mortgage to   XXXX   XXXX   XXXX   XXXX   XXXX   to pay my mortgage from this other account. On  XX/XX/XXXX , I received a notice from Bank of America Mortgage that I am behind on paying my mortgage. However, the debits from my   XXXX   XXXX   account are clear and are attached in an account statement. However, the Bank of America statement reports that they performed an " unapplied funds reversal. '' The reversed funds states it left my bank of america mortgage account on  XX/XX/XXXX , but was not returned to my other financial institution from which it was debited, nor was it returned to the only remaining account with Bank of America, which is the remaining checking account ( which was the account the mortgage was previously debited from ). My wife now uses this account. So in essence they claimed they reversed {$920.00}, but they did not do so to my accounts and are sending me a notice that my account is past due and at risk for a late fee. I have tried to contact them twice but the prompts on the Customer service number do not progress to resolution. They confirm that payment was received. I believe this may  be institutional retaliation for the previous complaint. I have never missed a payment.

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 01-04-2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (LA).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: PURCHASE VEHICLE CAR SALE MAN DIDNT TELL ME HE WAS RUNNING CREDIT TO DIFFERENT AUTO LOAN FINANCE COMPANY

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sold my home XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX reported that my account was 90 days past due. Due to hurricane Irma XXXX XXXX XXXX put me into a temporary 3 month forbearance which allowed me not to make payments from XXXX. 
The payments were not to resume until XXXX XXXX however my home was sold by then. I spoke to XXXX XXXX XXXX, Transunion, XXXX and XXXX regarding this matter and none of them have resolved this issue. I am trying to purchase another home and this is making that process impossible.

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