milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2017 about Consumer Loan (Installment loan) with Rosebud Economic Development Corporation (CA).
Issue: Problems when you are unable to pay

Complaint: Q Credit has already took {$880.00} from my bank account for a {$1600.00} loan that lead me to investigate the company. This company claims that I still owe a balance of {$1600.00}. The company a tribal lender of the XXXX XXXX XXXX of XXXX operating within the boundaries of the XXXX XXXX XXXX of South Dakota, which when I contacted the Attorney Generals office I was informed that they do not even have a license to operate in the state of California. I have sent a letter to them via email to stop taking money out of my bank account. I refuse to pay anymore for a loan with not normal fees that are high and now has cost me and my family to be evicted due to having them remove money every time I get paid from my account. This company is robbing people blind that they claim to assist with loans. We are now living in a motel with my XXXX children due to the practices of this company. This is extremely upsetting and this company needs to be stopped.

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 01/27/2017 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (IL).
Issue: Application, originator, mortgage broker

Complaint: I have attached the complaint which makes it easier to read. Bottom line, GR Mortgage contracted to deliver a 30 year 3.375 % interests rate mortgage and then did not deliver yet we delivered. This company is a con artist of the largest proportions and has cost of hundreds of thousands of dollars due to the illegal conduct. We need you help in finding a resolution immediately since they did not feel at all obligated to us yet the consumer delivered and GR Mortgage did not.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I received a letter from my bank  ( bank of America ) saying the y will be closing my  XXXX  business accounts in 51 days from the letter. No reason given. I have also tried to contact other banks and asked about opening new accounts and been told no they do n't handle my type of accounts. I own an   XXXX   XXXX  , so I have about  XXXX  atm machines located in various gas stations, bars, stores  ect.  I need the business account to get the ach deposits everyday and then I withdraw money to load back into the machines. This is a legal business and there are millions o f atm machines ac ross the country, most are privately owned like mine. How can banks refuse a legal business? I do n't know what to do and I 'm at risk of losing my house and everything in 50 days. This is not right.

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 08/14/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (KY).
Issue: Loan servicing, payments, escrow account

Complaint: My husband XXXX XX/XX/XXXX-XX/XX/XXXX with XXXX. He suffered from XXXX since XX/XX/XXXX. In XX/XX/XXXX, he died from XXXX XXXX the day after his XXXX birthday. He participated in VA health care. This was diagnosed by a private doctor, as XXXX with XXXX. We believe from exposure to XXXX XXXX. He died XXXX XXXX, XXXX. Left me a single mom of XXXX children. I have managed to keep our home by refinancing my XXXX mortgage. When he passed he has a home equity line for XXXX from Wells Fargo in his name alone. They cut off my access and told me I was not liable for the loan, however since I signed the Lien I would loose my house if I did n't keep up the payments. So I continued paying auto pay of XXXX a month, they would not discuss the terms just that I had to pay. The payment was approx XXXX. Now I find out 10 years later this was an interest only loan and balloons in XXXX XXXX. Now all of a sudden Wells Fargo is offering to let me assume the loan. If they would have let me do that four years ago I would have streamlined it into my va loan, which I ca n't do because it 's not my debt??????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Medical) with Grant Mercantile Agency (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Disputed account with all XXXX credit bureaus, requested debt validation under the FDCPA and they have not validated the deb but continue to validate the dispute with the credit bureaus which is a violation under the FCRA. They have not provided any proof consent given to share or obtain private and protected medical information under the medical bills act.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Medical) with Credit Collections Services, Inc. (SD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased XXXX months of medical insurance and it covered everything but a XXXX co-pays in XXXX 2014. This was was single coverage between XXXX jobs. Several months later I received a letter from collections for over {$300.00}. It appears the medical clinic lost the right information from my insurance and decided to bill me directly. The collections company is suggesting this is my fault even though I sent them proof of the coverage that and proof of payment for the coverage. I am not sure what I did to get this sort of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: Bank of America added Hazard insurance and Flood insurance fees to our mortgage payment, the payment is withdrawn automatically from our Bank of America checking account that we have held for over 35 years, when the increase amount was returned due to insufficient funds ( we did not know the payment had increased and therefore on a fixed income there is not additional money available for that adjustment ) Bank of America stopped the automatic withdrawal after one month while we were out of the county and put us in further debt. XXXX XXXX and XXXX XXXX sent in proof of Hazard and Flood insurance on the property, the additional fees were not removed and there are additional insurance fees, late fees, property inspection fees, foreclosure attorney fees, foreclosure expense fees that they are not adjusting so we can pay the mortgage that is due and will not reinstate the automatic withdrawal and will not take any payment that does not include all the above fees and stated will not be refunded. We are in fear of losing our property. Bank of America holds our mortgage for many years and prior to this incident there was never a late mortgage.

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 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted the credit bureau about fraudulent activity on my credit report and placed a fraud alert. There are inquiries not made by me that I requested to have removed and was denied. They told me to contact the creditor to have them remove the inquiries. I contacted the creditor who told me I need to contact the credit bureau as they can not remove it themselves because they can not find it in their system.

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 10/27/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Closing on a mortgage

Complaint: PROPERTY ADDRESS : XXXX XXXX Place XXXX XXXX XXXX, WA XXXX ALLEGED ACCOUNT NO. : XXXX FRAUDULENT FORECLOSURE FORECLOSURE Date : XXXX XXXX, XXXX FORECLOSING ENTITY : OCWEN LOAN SERVICING My name is XXXX XXXX and my husband name is XXXX XXXX. We are owners of the property located at above address. 

About three years ago as a result of some serious discrepancies in our mortgage loan payment, we contacted our servicer OCWEN LOAN SERVICING, LLC in order for them to explain their breach of the loan modification terms. We did not receive a prior notice pointing to an up coming amendment to the existing contract. 

We were given the run around. A clear explanation was never provided by the servicer to us. Due to the overwhelming cases of banks committing mortgage frauds all over the nation, we decided to hire a certified private mortgage loan investigator to look into our case for some inconsistencies. Subsequently we stopped making payments to the servicer. We begun demanding the supposed lender copies of important documents, including the complete Deed of Trust and note, which would explain their consumer rights, as well as other rights, including but not limited to, the right to cancel the contract and the XXXX XXXX in XXXX Disclosures. 

OCWEN LOAN SERVICING intentionally failed and/or refused to provide various disclosures that would indicate to us that the contract entered into was void and illegal. For instance, OCWEN LOAN SERVICING failed to disclose that the loan obtained had an interest rate higher than stated and in the preliminary disclosures, which preliminary disclosures were never given. 

Additionally there are several documents in the so-called loan were falsified with fabricated signatures ( Robo signing ). 
We made several requests from OCWEN LOAN SERVICING to validate the alleged debt. No such evidence or proof has been presented, yet they have engaged a foreclosure sale of our property. 

The foreclosure sale is scheduled for XXXX XXXX, XXXX. Please, do not allow OCWEN LOAN SERVICING to sale our property. It will be a fraudulent foreclosure. Please, the foreclosure needs to be stopped as long as the debt is not validated. 



Sincerely, XXXX XXXX and XXXX XXXX XXXXXXXXXXXX

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 10/26/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: First off this company has not proven that I owe any debt to them, I never signed any contract or agreed to pay AD ASTRA at any time. A TYPED name is not VERIFICATION that a contract was signed and agreed. If a contract was signed and agreed upon it was with a company other then Ad Astra. I am asking for information and signatures stating that I OWE AD Astra MONEY. I never signed any contracts with AD ASTRA I have no knowledge of them until recently.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I
've disputed this info with the CRA 's and they were required to # 1 put the notice of dispute within 30 days of receiving my 1st dispute which they did n't and # 2 the info on my credit report is required to be accurate and complete. Each of the accounts that I have disputed are now missing the original amount. All 3 CRA 's are stating these items have been verified but I can see that none of them have the notice of dispute like I mentioned and I 've seen that none of them have
have the original amount as required. In addition, where 's the proof that any investigation was done?

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 01-04-2018 about Mortgage (Conventional home mortgage) with CARDINAL FINANCIAL COMPANY (AZ).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX 2017 I inquired to my mortgage company, Cardinal Financial, on what I could do to drop my private mortgage insurance ( PMI ) as we had made several significant home improvements and market values had increased. 

Cardinal Financial sent me a letter on my options. Per my contract I needed to wait 2 years after the purchase of my home before requesting the removal of PMI unless significant home improvements were made - the letter clearly stated that if this was the case the 2 years would be waived. 

I then paid {$450.00} for a new appraisal. As market prices had increased in my area, and in that I had installed a new kitchen totally over XXXX XXXX, I felt I would easily be able to drop the unnecessary PMI. I owe $ XXXX on a house that is worth $ 420k+, thus making me eligible to drop the PMI ( over 20 % equity ) Cardinal Financial did not allow me to choose an appraiser, but rather chose the  appraiser themselves. The chosen appraiser came to the house and appraised the home using comps that were over a year old. Several easily documented comps with closer locations, similar square footage and newer sold timelines were disregarded, and many of the newer higher sold price comps did not have the kitchen upgrades that my home does. 

The appraisal came back at $ XXXX, approximately $ 14k below what is needed to drop the PMI. 

I called Cardinal Financial in mid-XXXX and explained that their appraisal seemed to be in " cahoots '' with them to maintain business, and low-balled our appraisal. I explained that there were several closer, newer, and better comps in the area to do a true price comparison. They continued to explain that I had n't waited 2 years to try to drop PMI, even though I explained to them the conditions from there PMI packet they sent me. 

They had someone named XXXX XXXX call me in mid XXXX. I was unavailable at that time, but I called back and left 3 or 4 messages with XXXX in the meantime. He has not returned my call and no action has been taken. 

Cardinal Financial chose the appraiser ( even though I paid for it ), and the appraiser wanting to continue the business relationship with Cardinal Financial, low-balled the appraisal so that I could not drop the PMI, which is also a business partner of Cardinal Financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have requested that all closed accounts be removed from my report. I noticed last year maybe around XXXX or XXXX all of the closed accounts were removed but added back a few weeks later. I had received no knowledge of this.

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 03-02-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I ca n't get any information from Equifax , I do not know what is ask of me. inreferrecne to XXXX accounts supposedly I open, problem is I have no acknowledge of these. there fore am not allowed any information. ca n't prove this me. I called and the same,. I have never been able to get a report from this company since 2012 for the same resons. I never bothered to look into this matter. but now on my credit report there are showing an incorrect information that is affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Medical) with Receivables Management Partners, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was in the intensive care unit when the hospital brought in a XXXX for XXXX, I was diagnosed with XXXX. I had XXXX and XXXX for hospital coverage at the time. Why should I be penalized for this debt because the doctor was not in the network?

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Bank account or service (Checking account) with PNC Bank N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I opened a new checking account [ XXXX ] with PNC Bank [ XXXX branch at XXXX XXXX ] in XXXX 2014 after I was offered a bonus promotion of {$300.00} for doing direct deposits totaling {$5000.00} and a bill pay. 

I complied with the Direct Deposit Requirements [ XXXX direct deposits of {$2500.00} on XXXX for a total of {$5000.00} and a XXXX XXXX Bill pay on XXXX ]. However, I never received the bonus. 

I contacted the bank XXXX after the XXXX day period that I was told it would take them to deposit the promotion bonus, but they refused to comply with their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: TransUnion was notified several times by XXXX XXXX that all delinquent payments are to be removed and I have a letter from them affirming such. Despite the fact that all other credit bureaus have updated their file, TransUnion continue 's to report the delinquency despite being notified with the attached letter.

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 10-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: What is the complaint about? 
Capital One negligently refuses to credit my account from a third party vendor ( XXXX XXXX for a purchase XXXX {$670.00} XXXX back in XXXX XXXX, XXXX even though that vendor XXXX XXXX XXXX agreed to credit my account {$570.00} minus a {$100.00} change fee on XXXX, XXXX, XXXX. I have spoken to Capital One customer service reps for months in XXXX trying to confirm that they received the information that they needed from me and not once did they say the information they needed was delayed. They failed to process my return in good faith and were deliberate in continuing to keep the amount on my credit card. Not only that, multiple rebills appear on my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 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: This is the second time I have contacted your XXXX XXXX, XXXX, Experian regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. My current legal name is XXXX XXXX XXXX please remove/ delete all variations they are incorrect. 
MY DOB IS XXXX My SS number XXXX MY ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. 
I have been the victim of ID Theft and I wish all addresses other the the one above to be remove file my credit report I no longer live there and do not wish pre approved mail and ads sent to those addresses as I believe this is possibly what lead to my ID being stolen in the first place. 
I no longer live in XXXX XXXX and some has been using my ID and SS for account in XXXX XXXX. I had to file a report for the Unauthorized activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Credit card) with Allgate Financial, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I WAS SUED BY EQUABLE ASCENT FINANCIAL LLC WHICH RESULTED IN A JUDGEMENT AGAINST ME. I HAVE NO CLUE OF THE DEBT IN QUESTION AND I AM AFRAID THEY HAVE THE WRONG PERSON.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent Outsourcing Inc. continues to attempt to collect a debt that is not owed for roughly 2 years. They are the collection arm for XXXX XXXX. I have disputed the validity of the alleged debt as not being mine. I have asked for validation of the debt. and they send a copy of a statement with my name on it. I have on numerous occasions asked for anything with my signature or a recording that evidences my approval for the charging of the {$170.00} they continue to attempt to unlawfully collect. I believe they are violating the FCRA, FDCPA, Pennsylvania FDCPA and Pennsylvania UDAP and these violations as well as the acts individually constitute a violation of UDAAP. 

Further when I point the above violations of law out to the CSRs, for Convergent, they tell me I have to file a fraud claim with XXXX XXXX. I expressed my incredulity that they were not satisfying their affirmative obligation to only collect on a debt that was valid and again demanded that they validate the debt or remove the inaccurate information of the debt as allegedly owing to Convergent and XXXX but they refused multiple times. 

It is clear that Convergent Outsourcing lacks appropriate training, corporate leadership, compliance and legal knowledge as well as any kind of QA or monitoring or testing program to be permitted to continue collecting debts for themselves or third parties. 

I urge the Bureau to investigate the foregoing matter

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been paying my Car payments on-time and within the agreed terms before XXXX of every month ( XXXX XXXX allows 10 days gace period ) as agreedtowards my Car payment to the XXXX XXXX XXXX. 
All the XXXX credit Bureaus ( XXXX, Equifax & XXXX ) have been reporting between 10-14 late payments ; although I have PAID -IN TIME. 
Kindly take necessary action againist all the XXXX bureas

Company response to consumer: Closed with explanation