milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with CNG HOLDINGS INC (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: On XXXX/XXXX/XXXX, I purchased an XXXX washer appliance from XXXX XXXX store, XXXX, California. The customer service representative who served me stated I could pay a portion of the purchase price in store and the remaining balance on an installment plan with a XXXX approved outside financing agency. I agreed to said promotion and paid {$260.00} in store with the agreement I would then be charged 5 additional payments of {$44.00} per month for the remaining balance, with the total amount paid equaling {$480.00}. The 5 monthly payments were paid in full. However, the month succeeding the 5th payment XXXX XXXX XXXX, I was charged a sixth payment of {$44.00}. Upon contacting the leasing company ( WhynotleaseitXXXX ), I was informed my lease was not a lease to own and that if I wished to purchase my appliance, I would need to pay the residual balance of {$140.00} in addition to the next installment payment of {$44.00}. This would bring the total paid to {$710.00} for the appliance with a cash price of {$480.00}. In addition, I was informed I could continue to pay the lease fee for an additional 12 months, after which time, I would need to return the item to the creditor. In total, I will have paid the company 147.16 % of the retail purchase price of the appliance. I believe this company is engaging in deceptive practices by not explicitly disclosing that you are agreeing to a lease without ownership at the point of purchase. Furthermore, the company does not inform you of the option to purchase your item at the end of the 5 payment period, instead opting to continue automatically charging your payment account without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I closed on a land loan through the XXXX ( XXXX ) in XXXX. They have contracted through Dovenmuehle Mortgage Inc. for loan servicing. To say that Dovenmuehle Mortgage Inc. is inept would be giving them too much credit. To date I have been unable to access my account through their website XXXX.com and repeated attempts ( over 30 phone calls and representatives ) have been unable to provide any resolution. I have already exhausted every level of their Tier support system and have had over 10 phone calls either disconnected or outright hung up on me. I sense there is some type of fraud being conducted because they refuse to give me access to my loan balance, escrow and payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with CORELOGIC INC (IN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: CREDCO FAILED TO FURNISH MY XXXX CREDIT REORT SINCE XX/XX/2012.

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 03/27/2017 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I defaulted on my loan payments due to unfortunate circumstances. There was no option for a forbearance or deferment or even a lower payment option. My loan has now been accelerated and sent to collections. The servicer made no attempt to call or email me to resolve the issue and every time I contact them there is an extremely long wait time and when I opt for the call back feature I never receive any type of call back. I can not afford to pay the entire accelerated amount and am willing to establish a payment schedule with auto repayment from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (I do not know) with OLD REPUBLIC TITLE HOLDING COMPANY, INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: See attachment it is not a signed copy as was faxed back on and about the date on NOTICE!!! XXXX to XXXX, XXXX to XXXX. this title company has defrauded the title by way of signature id theft and let it go through.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class  action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Application, originator, mortgage broker

Complaint: I am the original owner of my home which was purchased in XXXX. In XXXX, I did a home equity line of credit and did a quit claim deed, adding my husband to the mortgage. In XXXX XXXX, the husband refinanced the mortgage unbeknown to me. I had received preliminary foreclosure notices from XXXX XXXX XXXX in XXXX. When I contacted the bank to discuss the notice, I was informed that they could not speak to me because I was not listed on the mortgage. I requested documentation from the bank to validate their statement. I received from the bank a copy of an " Original Promissory Note '' which only indicated the husband 's name, signature and initials. I was not aware of, nor a party to the refinance closing transaction of said property on XXXX XXXX, XXXX. My name nor signature is not present on the binding agreement known as the " Promissory Note '' dated XXXX XXXX, XXXX. I have submitted an affidavit to XXXX XXXX XXXX, as a sworn document, dated and notarized, XXXX XXXX, XXXX. 
XXXX XXXX XXXX has transferred the loan to Bayview Loan Servicing , LLC in XXXX XXXX. I was notified by Bayview Loan Servicing LLC, of a default for an Unsecured Instrument, which I have not signed. Bayview Loan Servicing LLC, has retained, XXXX in XXXX, Ga, as the representing party of Servicer. There is definite violations of the Federal Truth-in-Lending Act. I was not aware of the refinance transaction, not a party to the closing of this transaction and there 's only one name and signature on the " Promissory Note ''., which is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (Mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Last month I requested that my mortgage company provide me with the modification agreement to substantiate the interest they are charging me in my payoff ( please see attached ). They told me they could not email or fax it, but they would get it to me in a few days. It has been more than a month and they have not sent it to me yet. They are holding me up from refinancing and I am about to lose the low interest rate that has been offered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit reporting () with Innovis (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: multiple unauthorized mortgage inquiries on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I moved into XXXX XXXX XXXX apartments in XX/XX/XXXX and out in XX/XX/XXXX. I provided all of my contact information the morning I turned the keys back into the front office so I would be aware of damages that required payment. I was not notified of any cost to cure damages in the apartment by the complex. I downloaded credit karma a couple years later after being declined for my first car loan due to a collection I knew nothing about. I was shocked to learn that a collection had been placed on my credit by XXXX XXXX XXXX and was damaging my credit greatly! The biggest surprise was years had gone by and no proactive effort from the complex had been made in order for me to have the opportunity to pay the damages instead of just damaging my credit! Over the years I reached out to the management company in effort to make payments or settle due to the age of the debt, the complex would not cooperate. The debt was sold to Professional Debt Mediation on XXXX XXXX XXXX and now shows as XXXX different debts both damaging my credit. I 've attempted twice to settle with the collection company who advised they go back to the complex with my offer for approval-again both times the complex has declined my effort. The debt is showing as {$1100.00}, the complex states they had to repaint the XXXX accent wall in the living room-this I understand and agree too. They also state that they had to replace the carpet in the apartment due to pet stains, I agree there were stains on the carpet and understand there would have been a cost to have the carpets cleaned. HOWEVER, stating they had to put brand-new carpet in the entire apartment ( mind you was very small ) and that it cost upwards of {$1100.00} I do not believe! After years of making an effort to right this debt and the lack of cooperation of the complex leads me to believe they are fraudulently hitting my credit for the amount of a debt that is not valid! The carpet in the apartment was not brand-new when I moved in and the complex is not entitled to the full replacement value, only the depreciated value of the carpet. So if the life of the carpet was expected to be 5 years and was 4 years old upon my move in date they would only be entitled to the remaining years value. I would like proof to be provided by the complex including : brand of the carpet, estimated life of the carpet, receipt for carpet upon installation prior to my move in date, and a receipt for the for the cost of damages repaired. If proof is provided and the full amount of the debt is validated, I would like an agreement to be made with the complex on payment arrangements or a settlement. I would also like my credit to be updated due to the lack of professionalism, tenant/consumer respect, and non-existent pro-activity to reach me before greatly damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (OH).
Issue: Managing the loan or lease

Complaint: In XXXX of 2015 I called Ally Bank and was asking about a refinance due to a job loss. 
I ended up doing a skip a month. However the agent put in the wrong que so I got charged for the refinance charge. I did not realize the mistake until I received a call about a pass due amount, which I did not owe. I have spoken to the bank several times, they have acknowledged they made a mistake, yet they will not remove the black mark. They tell they are but it does not happen. Last month I was turned down for XXXX new jobs because my credit rating dropped XXXX points. In checking, I see now that Ally reported me over 60 days late for a car payment, which is not true, its their mistake that is showing the error. I have called there to get this corrected but they just are not doing anything. I do n't know what to do and I need your help. Ally knows the mistake is on their end, but the collections do not take the time to read all of the history. This is causing me much distress and I am loosing jobs, that I badly need because of their neglect. Can I sue them?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Settlement process and costs

Complaint: I am selling my house as a " short sale '' and an offer was made on the house in XXXX. However, the financial institution ( Bayview ) has not made a decision to accept the offer. It has been five months and I am in limbo and would like to move forward. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with QUICKEN LOANS, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: CFPB complaint number : # XXXX After four ( 4 ) telephone calls to CFPB has REFUSED to release Report ( complaint number : # XXXX ) to XXXX XXXX. 
CFPB Supports Quicken Loans FRAUDULENT, BAD BUSINESS, DISCRIMINATION against Elderly XXXX Veterans, First Amendment Violations. 
CFPB Corruption ... How much did CFPB profit from Quicken Loans???? cies. 
1. Discrimination against Veterans. 
2. Invoking Escrow Account based FRAUDULENT DATA per CFPB request. 
complaint number is : # XXXX 3. Quicken Loans to IMPOSE an Escrow account upon a P.I. ( Principal & Interest ) loan since XXXX XXXX ( Mortgage Opened with XXXX, assumed by Quicken Loans in XXXX ). 
4. Quicken Loan RAISING Mortgage without Explanation. 
5. Quicken Loans IMPOSE Discrimination against Elderly XXXX Veterans. 
6. Quicken Loans continues to VIOLATE Customer 's First Amendment Rights. 
7. Quicken Loans WILL IMPOSE FORE-CLOSURE upon my Residence. 
8. Quicken Loans plans REMOVE the Poor from the Their homes and Seize property based upon Fraudulent methods. 
9. Quicken Loans DENIED REFINANCING to Keep High Interest Rate on Home and seize Property, Openly admission of Fraud, Discrimination based upon False allegations imposed by Quicken Loans upon their Customers. 
10. Denied Access to my Quicken Loans account. 
It 's Time for a Federal Class-Action Lawsuit against Quicken Loans 1. Quicken Loans DISCRIMINATION against XXXX Elderly Veterans needs to stop. 
Quicken needs resolve the Problem Quicken created since taking over the Mortgage Loan from XXXX .... Quicken will continue to provide BAD SERVICE as long as possible by misinforming the Bureau of Consumer Finance and Mortgage Regulatory. 
2. Mortgage needs to be Refinance from 30 yr ARM to 15 yr Fixed Mortgage per President OBAMA, Despite it 's NOT in the best ( % ) interest of Quicken Loans. 
3. Allowed access to 'My Quicken ' account online website to review Tax statements, Paperless documents, and submit complaints to 'Quicken Bureaucrats ' who refuse to RESOLVED PROBLEMS 4. Quicken will submit email Messages ; concerning status of account, Statements, Tax information ; In other words, I want to the same service that other 'White Customers ' receive without DISCRIMINATION! 
5. Quicken Customer Service will extend service to me and STOP DENYING or REFUSING service. 
#. Quicken ADMISSION to DISCRIMINATION against XXXX ELDERLY VETERAN ... Quicken will continue items 1-5. Quicken Corporate has made it clear of their REFUSAL to resolve the issues, instead they mail a useless response document ( XXXX ) filled with legal jargon that fails to resolve the problems. 
XXXX Elderly Veteran with an XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problems caused by my funds being low

Complaint: I have been careful in ensuring that I do not incur Bank of America 's overdraft fees, even with my recent charges below {$25.00}, I immediately transferred fund to make sure I do not get hit with overdraft fees. Lo and behold, I get XXXX XXXX overdraft fees the next day because some charges hit my account right before I get a deposit. I see my bank account statement, and I do not see where my account went below XXXX. I called the bank, and told me to follow the Account History Balance, not the statement, the account history balance is in another screen that a regular consumer would not know about. It 's on a hidden link which gives consumers false balance with the statement that is currently on the screen. I have relied on that statement, and now I 'm being told to follow another screen in order for me to avoid getting overdraft fees. I was supposed to have XXXX for the week, good for groceries, and gas. Now I 'm left behind XXXX for the week! I have requested for a reverse on the overdraft and Bank of America will not give me the credit back. I have my statement to prove that I never went below XXXX. They took my money for no reason!

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 12/14/2015 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: Was aghast at paying 66 % interest. I decided to pay the loan off within 25 days, yet was charged {$100.00} in interest and service fees. Local clerks and managers at the local store only referred me to their manager and refused to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX was my direct service loan lender and I was told by several XXXX Representatives in XXXX to apply for the Public service loan forgiveness program. I was also told that I qualified for the Public service loan forgiveness program and once the program started forgiving loans ( XXXX XXXX ) That my loans would be forgiven. I left navient, and and all of my loans were transferred over to the public service Loan program. This has been an ongoing process sinceXX/XX/XXXX with no resolution in hand, I have been told that none of my loans qualify for Public service loan forgiveness.

I asked the Public service loan forgiveness program for audit of my loans and I have yet to receive any feedback. Please help this is been ongoing for over a year and it 's extended my payoff time from 3 years to 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Focus receivable called me about 10 times and said I would be served legal papers at work and would make sure everyone at work knows. They also said they have a warrant for my arrest! 
They said I was guaranteed to do 10 years in prison.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Closing on a mortgage

Complaint: The typical bait and switch was applied during my mortgage process. Started the process XX/XX/XXXX with a 60 day close XX/XX/XXXX. During this whole time i was due to bring $ 7,000-8,000 to closing. Then on XX/XX/XXXX ( 2 weeks before closing ) I am told that i am going to have to bring nearly {$20000.00} to closing. The mortgage company offered some credits but i am still due to bring $ 16,000-17,000 to closing. Due to timing and needing to close I am trapped to accept this and move forward so that I do not become homeless shopping for a new mortgage company. This is the typical bait and switch at the last minute that has haunted the mortgage companies and Quicken has since applied this to me. They claimed that I no longer qualified for the program because i made too much money but it is the same figure that was given to them from the start.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I started receiving alerts on my Equifax credit report and noticed that there were inquiries that I do not recognize. As I researched the inquiries I noticed that they are from banks for auto loans. I already have a car that 's paid for, so there 's no reason for me to apply for auto loans. I ask that this issue be investigated. If you find that these inquiries do not belong to me, I DEMAND that you delete them immediately. If these inquiries come back verified then I DEMAND PROOF of verification because I never authorized these inquiries. The inquiries needed to be removed are : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXl XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation