milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with CONTOUR MORTGAGE CORPORATION (CT).
Issue: Application, originator, mortgage broker

Complaint: In addition to my first complaint I wish to add this information. On XXXX/XXXX/15, after supplying Contour Mortgage with the last of the requested documents, which was an updated bank statement and gift letter. Contour Mortgage informed my loan officer, XXXX XXXX there was more documents and inspections that needed to be done. Well I also found out that XXXX XXXX was not XXXX certified. In my state of aggravation Contour Mortgage I proceeded to make phone calls my way from XXXX XXXX to XXXX XXXX then finally, XXXX XXXX XXXX. After speaking with XXXX, who said he was the person in charge of XXXX and the underwriter XXXX XXXX ), he made it perfectly clear that my loan was locked in and he would go over my loan file to make sure it was processed expeditiously, because I had advised him of the XXXX XXXX 2 ) extensions that had already been made with the seller and we were now going into the third extension with the seller ( HUD XXXX and there would be added expenses relating to this extension. On Monday, XXXX/XXXX/15, I called XXXX to find out how things were moving along and he said he would get back to me by the days end, which he did not, but I did receive an email from Contour Mortgage through XXXX XXXX. In this email there was a PDF attachment which states the new and " XXXX '' Conditions ( Prior to Approval XXXX. In the conditions it said I, ( the buyer ) needed to provide contractor estimates for Lead based paint, electrical, and HVAC system. These estimates have been provided and there is a lead disclosure and credit for work to be done. Also, the utilities can not be turned on to provide an inspection, because the repairs have to be done first, which there is an estimate that was provided as well. Contour Mortgage is also asking that the new estimates they want, MUST come from contractors that hold a valid license and XXXX policy and have Contractor Identity of Interest Certification etc, etc, etc. So, the requested documents I needed to provide went from XXXX to XXXX in a matter of a couple days. I am able to provide a PDF copy of the final demands that Contour Mortgage is requesting. All the information they are asking for was information they had in hand at the beginning phase of this loan application. I am upset they have me jumping through hoops that seem to never end. I can not seem to satisfy the underwriters requests. I have read others reports on the XXXX web site and found there have been others who are dissatisfied with Contour Mortgage Company. My realtor and I have been transparent through this process, but when we ask questions and demand answers, Contour Mortgage employees never answer, never return emails or phone calls or simply put, do n't have the answers, other than a XXXX loan has many steps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: X/2016    ID theft occurred. Submitted required forms to all   XXXX   credit agencies via USPS.   Only   XXXX   applied the requested  CREDIT FREEZE.    XXXX    and Equifax refused to freeze my credit per OREGON  LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX derogatory payment status ' on my credit report from XXXX student loan. XXXX broke the student loans into XXXX groups and gave them over to XXXX XXXX and XXXX XXXX XXXX. I have since paid off both the XXXX XXXX AKA " XXXX '' and XXXX XXXX. Those loans showed PAID but the original loans from XXXX are still showing on my credit report as Negative. 
It is my understanding that once a loan is sold to another company, the original loan can not remain on your credit. Basically, I 'm getting dinged twice on the same debt. Meanwhile when I call XXXX, they tell me they have no loans assigned to me as they 've been " sold ''. I contacted Experian after filling a dispute online only to have the dispute come back and say that due to my privacy settings, I ca n't file the dispute " online. '' What?! Now I have to order one of their credit reports for {$20.00} just to have a copy to send in. It 's insane. 
I was denied an auto loan because my credit had too many non payments on it. However, XXXX of the derogatory " non-payments @ are from XXXX. 
It sounds as though Experian dropped the ball and needs to clear those original XXXX loans off my report. Otherwise, they are costing me over {$2500.00} on my auto loan that I'n trying to get a lower interest rate on. 
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 non-monetary relief
Consumer complaint received 04-06-2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus has kept providing more and more roadblocks to me being able to call in and do business with them. Now, they will not speak with me and will only transfer me to a XXXX. I do not have a call back phone number and XXXX has never answered her phone when I 've called or been transferred to her. 

In addition, a supervisor named XXXX said that she intends on locking down my account so that I ca n't call in and make payments anymore. She said it 's because I filed a CFPB complaint against their company, which I do n't believe retaliatory behavior is lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: What I said in my complaint ... 


To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XXXX XXXX, 2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XXXX XXXX, 2017 and they completed the request on XXXX XXXX, 2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is on my credit report but I never received any information on it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (VA mortgage) with loanDepot.com, LLC (WV).
Issue: Application, originator, mortgage broker

Complaint: Loan Depot seems to be uninterested in meeting their preferred lender ethical standards as well as not understanding the non-predatory language and laws in effect today. My application for a re-fi from conventional to a VA loan is approved but yet no closing date after more than 60 days? When you are told to " step back '' and it 's " really getting hard to process your loan '' the VA OIG needs to get involved.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was out of school for XX/XX/2015, and before my grace period was over I signed up for a class in summer. I was under the impression that XXXX 3 hour class in the summer would mean, I am a half time student. Turns out It was n't and I am wrong, however, I contacted " Fedloan Servicing '' and explained the situation to them ( This is after I was reported late for my payments ). They agreed to put me on a forbearance, and I started paying my monthly payments. After that, I tried my hardest, to contact them about removing the late payments that they have reported and every time they tell me a different thing, I disputed the late payments 3 times, sent the credit bureaus copies of the forbearance letter, but I made no progress in getting those late payments removed from my credit report. My credit score is horrible right now, I had XXXX different loans, and each loan was reported late twice, so I have 10 missed payments. I 'm on the verge of losing my job if I do n't relocate, every apartment complex that I contact wants to run a credit check and I tell them to stop ( what a shame! ). Thanks U.S. Department of Education for helping financially during the hard times, but seriously you are XXXX exactly XXXX times as much as you helped me, and frankly your making my life worse than when I was just student with no income.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Credit line increase/decrease

Complaint: received credit card I did not apply for from amazon.com

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (AZ).
Issue: Problems when you are unable to pay

Complaint: I contacted my finance company on XXXX XXXX, 2015 made a payment for my XXXX payment and asked if I could have my XXXX payment deferred due to financial hardship. I was advised by a representative to fax a letter in writing to the deferment department explanning why i am requesting a deferment. The represenattive advised that I fax it in ASAP because i was in the first half of my grace period. I faxed the deferment XX/XX/2015 to the deferment department and have a fax comfirmation the fax was successful. I called two days later like i was advised to be told my deferment had been received and being reviewed. Two days later I receive a call requesting for me to make a payment and I advised i had submitted a deferment. The representative stated no deferment was received and aggresively requested payment. I advised him I spoke with someone in the office two days prior and was told it was in the system. He asked me to hold came back on the line stated he did see the deferment apologized and disconnected. I had n't heard anything so i assumed the deferment had been approved until I received a call tuesday XXXX XXXX, 2015 demanding payment. I advised of the deferment and was stated once again deferment was not received and in order for them to process the deferment i needed to pay a {$150.00} fee to process the deferment. I was never told their was a fee to process the deferment and it defets the purpose of a deferment. I have not been treated fairly from this company and have had many problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently received a copy of my Transunion credit report. The credit report showed a hard credit inquiry by XXXX for XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, & XXXX XXXX that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I called XXXX and spoke to a Supervisor named XXXX # XXXX. She informed me that the issue was going to be addressed and resolved. Unfortunately the mentioned hard inquiries are still appearing on my credit report. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I need your prompt response to this issue. Please be so kind as to forward me documentation that you have removed the hard inquiry. If you find that I am mistaken, and I did provide authorization to inquire into my credit report, then please provide me proof of such authorized inquiries.

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 06-05-2017 about Debt collection (Other debt) with ERC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A company named ERC is harassing me about a debt which I do not owe and never have owed to  XXXX   XXXX   XXXX . This amount was billed to me by mistake man many years ago and I just keep getting annoying and false statements asking me to pay and that I owe this. But I had disputed and won this sum against  XXXX   XXXX   XXXX  while I still had an account with them. Whatever this company ERC are still harassing me about is false information and not any amount which I owe. I do not owe this and it was a mistake and now they are reporting to all  XXXX  of my credit reports that I am in collection and they keep calling my house after late times and wanting to speak to me, this is crazy and I do n't understand why and where they have obtained my information and social security number. Can someone here help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Credit card protection / Debt protection

Complaint: I sent the following message to Capital One on XXXX/XXXX/16 : My name is XXXX XXXX at XXXX, New York, XXXX. My contact number is XXXX. You may reach me by this address or phone number regarding any business matters with you. Under the Fair Debt Collection Practices Act, I will consider any further contact at my place of employment or by others means inconvenient and harassment. 
On XXXX/XXXX/16, I contacted Capital One with the following message : On XXXX/XXXX/16, I contacted your business with the following message : My name is XXXX XXXX at XXXX, New York, XXXX. My contact number is XXXX. You may reach me by this address or phone number regarding any business matters with you. Under the Fair Debt Collection Practices Act, I will consider any further contact at my place of employment or by others means inconvenient and harassment. On XXXX/XXXX/16, I was contacted by XXXX XXXX a representative of Capital One who ensure I would only be contacted at the means listed above. 

On XXXX/XXXX/16, I was contacted at my place of employment by Capital One by XXXX a representative of your company. Due to continued contact at my place of employment, I will be filing complaints with New York 's Attorney General 's office, the Federal Trade Commission, and the Consumer Financial Protection Bureau. 

I am seeking assistance from your organization to stop harassing phone calls at my place of employment and only contacted by the means I specifically specified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NC).
Issue: Application, originator, mortgage broker

Complaint: My wife and I acquired a " mortgage '' loan from Wachovia in XXXX XXXX. In XXXX, we found out that our mortgage agent ( XXXX XXXX XXXX ) was arrested and charged by the FBI for mortgage fraud. 
XXXXXXXXRecently, I went back to view and calculate our mortgage payments and found out that this loan is not like your traditional loan and we have been paying ridiculous interest charges for almost 8 years. 
This is a loan that pays on principal and interest ; however, interest accrues daily. Here are the issues. 
- XXXX XXXX, we had and still have great credit. Per the Wachovia loan officer, this loan was similar to a VA loan but " less paperwork ''. We got a mortgage loan for in the branch office with this agent ( she was the closer to ). We also got an equity loan on the same day. She pushed this loan into our lap. Home appraisal was at more than what we borrowed. Plenty of equity to get a VA loan with favorable terms for us. This loan is no longer available and there was know real estate attorney involved. 
- XXXX my wife requested a copy of the appraisal. Per the mortgage agent " file was thrown away '' - XXXX We have XXXX auto loans, XXXX checking accounts, XXXX different mortgages at Wells Fargo and no one will assist us with fixing the loan which they did not follow the law. After researching, we feel that they have violated the Home Ownership and Equity Protection Act of XXXX. This loan is no longer available ; hence, a type of predatory loan. I was told that the loan is an entire home equity loan. The front of the mortgage states that the payments are for 360 months. I just made a payment and our entire amount went to interest. So the 360 months is not true. As this is definitely deceptive and unfair, this violates the law. 
- As a veteran, as she knew, we should have been offered a VA loan or other loans with sensible financial terms and not this predatory loan which was sold to us from a crooked mortgage agent who lied to us. Now, we also think that we had a fraudulent appraisal. 
I have requested Wells Fargo to do their due diligence and go back and review our files. They are not willing to assist nor do they care. We are not looking for a bail out but expect them to be held accountable and fix which was done illegally. 
Thank you for your time,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/23/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My aunt recently passed away. I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. 
As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX County Maryland. I 'm filing a complaint because of the lack of help and correspondences with her lender in an effort to assume, modify or refinance her loan so I can keep her property. Every time I send the requested documents they keep saying that they never received it and then request the same documents over and over again stating that they never received them. I leave messages and they are not returned.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ditech Financial LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I bought a manufactured home in XX/XX/XXXX. It was financed byGreen tree finance Co. address is XXXX XXXX, XXXX. 
XXXX XXXX , XXXX. XXXX, XXXX I filed Chapter XXXX bankruptcy on XXXX home was exempt from them ever trying to collect this debt. I thought. I kept the payments to date until XX/XX/XXXX, my wifediedsuddenly in the living room. After that I could n't live there any more. 
The Co started calling me on XX/XX/XXXX, that has been going on now for 14 years and they have had a derogatory report on my credit file for 14 years. I lived in this home in XXXX, and lived in it in XXXX. 
I have tried to talk to them about this account a few years ago and I was told that this will stay on my credit report until some time inXX/XX/XXXX.I have a paper the Federal court Judge stating that they ca n't ever try to collect on this debt or call me Can you please help me get this resolved. Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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. 

As a recent adult and current college student with very little experience in the world of credit, this could potentially ruin my credit for the foreseeable future, and make applying for student loans, mortgages, jobs, or housing a nigh impossible task, as my credit does not actually represent my personal finance. 


Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

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 shady 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