milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (PA).
Issue: Credit decision / Underwriting

Complaint: My loan application at Quicken Loans was denied. I have great credit ( XXXX credit score of XXXX ), had plenty of liquid funds on hand to close on the loan, and my DTI ratio was well below the standard for sound underwriting. 

While I was loan shopping, I asked Quicken to provide me with a Cost Estimate so that I could do a comparison of closing costs/rates for various lenders. They had sent me a mailer that stated that if they were unable to match the lowest rate that I found, that they would give me {$2500.00}. When I asked for the Cost Estimate, I was told that they could n't provide me XXXX unless they got something ( I forget what that something is, but it was captured in the chat communication ). I advised the loan officer that according to the CFPB, I only needed to provide the XXXX key pieces of information which I had already supplied. The Loan Estimate was provided on XXXX at XXXX and my loan was subsequently denied at XXXX. The reason provided for denying my loan application was " due to too many inquiries ''. However, a quick check of my credit would have revealed that the inquiries were all related to me starting the mortgage shopping process. 

This leads me to believe that Quicken did n't want to stand by the {$2500.00} offer that they had provided in the mailer. I prefer believing in that than over the alternative, which is that I was denied the loan because of my race which is pretty obvious by my name.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE MADE NUMEROUS ATTEMPTS TO GET MY CONSUMER CREDIT REPORT CORRECTED AND EVEN WITH THE PROPER DOCUMENTS SENT TO EXPERIAN AND XXXX THESE ACCOUNTS HAVE NOT BEEN HANDLED PROPERLY ACCORDING TO THE RULES SET FOWARD BY THE FCRA ... EXPERIAN AND XXXX HAVE NOT FOLLOWED ANY OF THE GUIDES LINES PUT IN PLACE ACCORDING TO THE FCRA.I HAVE BEEN DISPUTING THESE ITEMS FOR OVER 6 MONTHS. 
XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX WAS A VICTIM OF IDENITY THEFT

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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Ive disputed a chapter XXXX bankruptcy several times XXXX, XXXX and XXXX XXXX to no avail. It is inaccurate but Equifax refuse to correct it or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: APR or interest rate

Complaint: Credit card company informed me that the cash advance APR would be increased from 19.49 % to 25.24 % effective XXXX XXXX, 2016. How do they get to raise their interest rates so high? The majority of banks barely pay the consumer 1 % on savings or checking accounts. It is outrageous that they can charge such an exorbitant fee and yet pay the consumer an interest rate that is dreadfully low.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Conventional fixed mortgage) with AmeriHome Mortgage Company, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: in my XXXX payment I included an extra XXXX to go to principal but the mortage company did not credit me with payment. they used the payment for escrow account. I had written instructions the amount to go to principal but they did not credit me with the amount to go to principal

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 03-03-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (NY).
Issue: Managing the loan or lease

Complaint: Lender failed to send financial/billing statements in a timely manner ; after requesting a bill, and receiving one, I have made timely payments. Lender continues to add interest charges to the initial late fee assessed, even though representatives assured me that there would be no late fees, as their error caused the initial billing lapse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2015 about Prepaid card (Mobile wallet) with Google Compare Credit Cards Inc. (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: I had a {$50.00} google XXXX card in my Google WalletIt expired without notice and i lost my fundsGoogle should have alerted me when the card was about to expire as they do for a credit card linked to the Wallet, so i could use the funds

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: Bank of America cleared a cashiers check that I had deposited. I spent {$3300.00} of the {$7500.00}. BofA notified me today that the cashiers check was fraudulent and that they are holding me responsible for the money spent. They are at fault for clearing the check not me. I want the money reimbursed to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Payday loan, title loan, or personal loan (Title loan) with AUTO TRAKK LLC (MI).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: The issue with Auto Trakk is the company took my car last year when I only had a balance of {$1000.00}. A few months before they took my vehicle, I sent Auto Trakk an affidavit asking for certified copies of all contracts, all invoices and payment transactions as well as all assignment contracts. About a month later I received a very unprofessional uncertified XXXX  spread sheet. Then a few more months later they took my vehicle. I only owed {$1000.00}. After paying nearly {$20000.00}. I recently contact Auto Trakk and asked them if they sold my vehicle they said yes they did. I was told they sold my vehicle for {$1000.00}. I know this is a lie. The vehicle is was worth at least {$4000.00}. I asked them to send me a certified document of all transactions from selling my vehicle including the final sell price. I was told I would receive it in 7 days. I waited that time and never received anything. So I called Auto Trakk and was put on hold for 62 mins.. I hung up and called the next day and every day since, no one pick up the phone. They have my phone number and do not answer when I call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Medical) with Fresno Credit Bureau (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Creditors Bureau USA, published invalidated debt to credit bureaus and refused to remove. Per DCPA Section 809 XXXX b ), Creditors Bureau USA is not allowed to pursue collection activity until this debt is validated. 
I requested debt validation within 30 days ( XXXX XXXX, XXXX ) of their initial letter only to find out that Creditor Bureau USA already published collection information with major credit bureaus. The collection agency responded with fabricated invoice containing my information. I followed up with another letter ( XXXX XXXX, XXXX ) requested legal debt validation, however, the collection agency responded with the same invoice containing protected health information ( XXXX ). On XXXX XXXX, XXXX, I made a third request to collection to respond adequately, and I have yet to hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit card () with FIRST NATIONAL BANK OF OMAHA (WY).
Issue: Transaction issue

Complaint: XXXX XXXX refunded {$490.00} to my credit card & First Bank of Omaha claims they never got it. Or wo n't tell me they got it wo n't let me see my account. I am disputing this. there practices are not ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is for Loan #  XXXX  When I leased the new infiniti from  XXXX  Infiniti on  XXXX / XXXX /  XXXX   they verified that my car insurance with  XXXX   XXXX   XXXX  was active. I gave them a copy of my insurance card with  XXXX  an d Infiniti Finance to up date vin # and verify with  XXXX   XXXX  that Insurance was in force.     I was rear ended in an accident by a dump truck. The accident was not my fault. When I called  XXXX   XXXX   XXXX  to let them know I was involved in a car accident, they told me I was not covered.     I contacte d Infiiniti Finance im mediately to let them know of their error and that I was not goi ng to drive the   vehicle in a damaged state. I can  not drive their  vehicle in its unintended condition. Thus, I returned their vehicle to  XXXX  Infiniti in  XXXX .     I told them I was not going to make any future lease payments until they repaired their vehicle. I gave them all of the Insurance information from the other driver.     They were going to call me back a month ago and agreed to not put anything on my credit report. However, they have and it is Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Consumer Loan (Vehicle loan) with MERCEDES BENZ FINANCIAL SERVICES (MD).
Issue: Managing the loan or lease

Complaint: Mercedes Benz placed incorrect lates in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX payment was made XXXX/XXXX/XXXX. XXXX payment made XXXX/XXXX/XXXX. XXXX payment made XXXX/XXXX/XXXX. XXXX payment XXXX/XXXX/XXXX.

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. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Following the XXXX breach, I have been attempting to freeze my credit with all three major agencies. However, XXXX will not allow me to submit a report on their website and their phone line is down, so the only way I will be able to contact them is through snail mail. Considering that the breach is their own fault, they should have a much easier system in place for the hundreds of millions of people whose identities have been jeopardized. 

Additionally, I find it ridiculous that I will have to pay {$30.00} total to the three agencies in order to freeze my credit and will not receive a reimbursement unless I go through their snail mail processes. Do they expect all of the Americans affected by this to go through weeks of paperwork and waiting just to protect themselves? The CFPB should prevent these agencies from making any profit off of the freezes that millions are now being forced to perform due to the agencies ' own negligence.

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 04/17/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (NH).
Issue: Loan modification,collection,foreclosure

Complaint: Ditech financial formerly Green Tree, denied our modification request as we are in a. hardship. They dragged their feet with the process for almost 3 months claiming that they did n't receive XXXX or XXXX paper that they we re sent. We kept record. SO in turn they denied us and now we are REALLY screwed our scores went down so low we ca n't even qualify for anything, what do we do

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (I do not know) with Central Service Bureau, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a call at first from XXXX stating he needed my address so he can deliver documents he gave me a number of XXXX which they state they are central services. Found out they are trying to collect on a loan from XXXX into which I never took a loan out on in XXXX 2012. PLus they are past the statue of limitation for this. I never received a deposit from anyone other than my employer and they said if they do n't comply they will file criminal charges against me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ProCollect, Inc (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit reports ( all 3 ) show a collection amount of {$1000.00} held by ProCollect. I contacted XXXX to tell them the account was not in my name, but in my daughters name. They investigated and said status remained the same. Since then my daughter received a letter from ProCollect offering to settle the account in full for {$320.00}. My daughter paid the full amount requested in the letter but the account still remains on my credit report.

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 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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: XXXX XXXX sent me an email describing a bundling package where they handle the billing for the internet services and XXXX XXXX in one package. The price was {$89.00} + tax for both internet and TV services. I called and qualified the items on the email I received from XXXX with the XXXX sales person and he said yes! that is the package I will sign you up for. I asked him to send an email confirming that and he said he needs to complete the sign up process and needs my credit card before he can do that. After installation, the installation Teck. asked me to sign saying that he had finished installation and that I was satisfied with the installation and I did. 3 day later not receiving my email confirmation from XXXX or XXXX I called both of them and they said they would not honor the email sent from XXXX and if I cancelled the {$200.00} a month service they will charge me a early termination fee of {$450.00}. I did cancel and I did not pay their extortion money. Two items have been placed on my credit report. 1. from XXXX who sold it to ( XXXX XXXX ) and they list it as in collection for {$440.00} 2. From XXXX who list it as a charge off for {$240.00}. These two actions have dropped my FICO score from XXXX to XXXX. These are the only derogatory remarks on what was a very solid and well earned credit score. I would like to have both of these items removed. I will attach the email I received from XXXX and the last billing statement from XXXX. Thanks! Sincerely " Victim of XXXX purchasing XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Closing/Cancelling account

Complaint: My Chase Bank Credit Card was discharged. Then we started receiving letters from different collection agencies collecting a debt on behalf of Chase Bank U.S.A., NA. Companies like XXXX XXXX XXXX , XXXX, in XXXX, OH XXXX. Then Chase put the debt on my wife 's credit report. The credit card was in my name only. Chase keeps harassing me with calls to my home and cell phone and sending me letters for a 8 year old debt that was discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Taking out the loan or lease

Complaint: I purchased a vehicle thru XXXX ( XXXX XXXX XXXX ) Dealer license # XXXX on XXXX XXXX 2016 I was financing the vehicle thru A company called XXXX. On XXXX XXXX the vehicle was repossessed thru Ally financial thru the old owners name, I have all of my paperwork that was filled out at the time of purchase and my registration in my name with my tag I transferred. Ive made numerous calls to both Finance companies with no hope in sight. XXXX XXXX XXXX is no longer in business so I have no where else to turn

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 08/16/2015 about Debt collection (Medical) with Express Recovery Services, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On my XXXX credit report, There are XXXX collections that were just added to my file that do not belong to me. I have never been contacted by these people. The account owner does not even have the same name as me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/27/2017 about Debt collection (Medical debt) with Medical Society Business Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have contacted this collection company and disputed this charge many times. The collection agency has no right to place this on my credit report due to the Insurance paying this bill directly to the original creditor. I want the item removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Consumer Loan (Vehicle loan) with DriveTime (VA).
Issue: Taking out the loan or lease

Complaint: I financed a vehicle loan with Drivetime back in XXXX. I have been paying on the loan and the maturity date is XXXX XXXX. I checked my credit XXXX XXXX and noticed that the loan had been removed from my credit report. I have called Drivetime numerous time to correct the error to no avail. I feel this is a UDAAP violation because I was lead to believe the loan would be reported on my credit it has n't been reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: On the year XXXX, I had an overdraft account of {$520.00} with XXXX Bank Acct # XXXX now its named TD Bank. 
In XXXX I attempted to open a checking account and was unable being that I was added XXXX. 
I am aware that I have to pay my debts but I read that being that this debt is more than 15 XXXX old TD Bank should not have reported me to XXXX. I am in the process of filling Bankruptcy and not sure if this presently should apply. 
I am sending this complaint for you to be aware that TD Bank has made it quite difficult/impossible for me to open a checking account which presently I do not have, And possibly have done this to others. 
I have attached the original Collection Agency notice of my overdraft at XXXX Bank in XXXX. 

Thank you! 

.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Mortgage (Other mortgage) with PLANET HOME LENDING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, 2016 RE : Modification Agreement Sent Priority Overnight Received XXXX CFPB Please see CFPB Case No. : XXXX I attached a copy of the email I sent to Rural Department and their response, ( XXXX XXXX & XXXX ), they called this loan a " Traditional Modification '', not a USDA LOAN or a " Borrowers Assistance Loan ''. 
I previously sent copies of the complete document of the " 3 Month XXXX Trial Modification '' from Planet Home Lending. I only attached page XXXX ( XXXX mod ) of this plan, so you can see the 360 months vs 302 months listed in the Planet Home Lending " Modification Agreement ''. I do n't know how to amortize the unpaid balance, but I do not think the monthly payment should be the same. I have attached a compete copy of Planet Home Lending 's Modification Agreement ( pages XXXX through page XXXX ). 
Please review the document called " Limited Power of Attorney '' to correct and execute any typographical or clerical errors. I am not giving anyone power of attorney over anything I am responsible for. 

Could you please review this agreement, even though I did not sign it, I ca n't help feeling there are additional problems with this agreement. 
Thank you so very much

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

Complaint: I seemed to have been impacted by the equifax hack. I checked my status at https : //www.equifaxsecurity2017.com/XXXX and it came back saying I may have been impacted by the hack. I feel that this is a misuse of my credit information and am highly concerned about this information being used to harm my credit. I have not been able to pull my credit report from equifax either using XXXX XXXX XXXX So I have no idea how this has impacted if it has yet at all.

Company response to consumer: Closed with explanation