milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (NC).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan with Quicken Loans. I was pre-qualified not long after submitting my application and was requested to pay the non-refundable {$500.00} towards an appraisal. Once the appraisal fee was paid, my application went to the underwriter for review. On XXXX XXXX, 2015 my real-estate agent and builder received a letter indicating my loan application had been approved and fully underwritten. The letter indicated that my income, employment, and credit scores have been verified, but my loan had been approved contingent upon receiving the appraisal, title commitment and homeowners insurance. All of which were completed within weeks of this notice and a closing date of XXXX XXXX, 2015 had been scheduled. 

At this point, I completed the final earnest deposit installment with the builder for a total of {$12000.00} which authorized the builder to began making a few requested customizations to the home and set an closing date as well. 

A few days into this process I received a call from a Rep asking me to provide proof of timely payments for a previous mortgager lender because my report show untimely payments. Again, I provided this information immediately ; however, I received a formal denial letter on XXXX XXXX that my loan was denied due to past credit history. 

After providing proof of timely payments, completion of a credit supplement/rescore, credit verification phone interview and providing an explanation letter Quicken reversed the original denial and approved my loan for the XXXX time. In my opinion, reviewing past credit history is mortgage underwriting XXXX. Why did Quicken approve my loan initially, advise my realtor and builder, then ask for supporting documentation only to deny the loan? 

The builder, XXXX XXXX has now instructed me that because they have set XXXX closing dates and because I did n't close, I am now considered in default of my contract and they will be retaining my {$12000.00} earnest money deposit. I am in no financial position to write off {$12000.00} due to the incompetence of a mortgage lender. If my loan application did not meet Quicken 's criteria I should have never been lead not XXXX, but XXXX and placing my life savings in jeopardy. I am requesting that Quicken reimburse me for the earnest deposit in the amount of {$12000.00}. I will also be reporting this issue with my employer who endorsed Quicken loans as well as offered incentives to open loans with this organization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was told by Equifax consumer affairs that I placed a credit freeze on my credit account that is preventing me from accessing my credit report and score. I did not place this credit freeze and disputed it with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2018 about Debt collection (Other debt) with ERC (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On or around XX/XX/2016 I was involved in an accident was XXXX. Once I was able I immediately contacted XXXX XXXX XXXX in an effort to return their equipment. I was advised that I was " too late '' as 15 days has now passed. 

I explained the situation and still want to return the equipment, but they refuse to speak further with me and instead are poisoning my credit report. 

I do no owe XXXX XXXX XXXX and now they have turned me over to a debt collection company called XXXX XXXX XXXX that is poisoning my credit report and causing me damage in obtaining favorable credit terms and emotional distress. 

I have obtained XXXX XXXX XXXX XXXX on an unrelated matter, but they have advised me they will step in if my efforts to get this taken care of in a voluntary manner fail. 

Along with this complaint I am filing a Complaint with my State 's Attorney General and have been told I have a cause of action under the Arkansas Deceptive Trade Practices Act. 

However the most disturbing is that I want to invoke the arbitration clause in XXXX XXXX XXXX XXXX contract and they refuse to send me a copy of my contract. I have been assured by XXXX XXXX they can compel the production and then I will immediately arbitrate against XXXX XXXX XXXX and their collection agency. 

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 08-08-2016 about Credit card () with WELLS FARGO & COMPANY (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This situation is not over until I get paid, I love how WELLS FARGO sends fraud proof to consumerfinance.gov thinking they can take my rights away, I HAVE PROOF OF THEIR illegal activity and the fact they would not call me to talk about this they sent some shady mail to me that was full of worthless repent and even proved I am right, there are many many issues other ones I can right here as I have not enough room. I was hoping WELLS FARGO would have come its sense and realize that it 's calling ME, the card holder, the consumer and customer a liar. But in essence, knowing full well all the issue we had with identity theft and precautions we need to now take, and knowing full well WELLS FARGO made well over {$350.00} just in 3 months of over 12 months I had the card. I did not complain about the {$10.00} atm charge you charged me every time I used the card or your high interest rates. And I was never late once with my bill. Not to mention I can show with phone records and emails how many times I had to call in to WELLS FARGO to handle simple small issues over and over and over again. I can promise you as well over two hours a week was spent dealing with issues that I was told once I signed the forms would be handled. And they never did, they always came back. As well I also There were several disputes on the card that were active when WELLS FARGO closed the card down. And oddly the card just so happened to equal {$1000.00} which was my deposit. 

I have lost four times over with every company, not only not caring of my extreme identity theft issues, but taking advantage of our situation when we paid our bills and we stayed in contact with each company every issues doing whatever company policies were, but in the end, those things never mattered either. 

So, I let all those issues go, all those many many many issues. And I told you guys I was willing work with you, but you, again, WELLS FARGO has found a way to call the consumer who took the time to call right away when there was an issue on the card, a liar. So, I your customer, lied to you about the {$200.00} ATM dispute in XXXX. Cause what you told me was the MERCHANT saw me take the money of the machine. Well let me rectify this again for you, and I Will not discuss other disputes again, I am simply going go over this XXXX ATM at roughly XXXX at a convenient store located across from XXXX, next to XXXX XXXX -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has sent a bill that I have disputed as identity theft to another collection agency. I would like XXXX to close the bill out completely as identity theft and quit out sourcing the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted Experian on several occasions in reference to a collection account that is not mine. I have submitted the dispute, identity theft report as well as police report in XX/XX/XXXX and XXXX 2017. I twas told this item was not reporting on my credit. This item is now reporting on my credit report and I am unable to dispute online. This is not my account. The account has been deleted from the other two bureaus. The account is XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: Wells Fargo opened a personal loan under my name and social for {$20000.00}. This was a result of my identity being stolen. I never opened an account with Wells Fargo. I attempted to dispute the account and was denied and not given any assistance. I call now and all I get is the complete run around.

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 07/21/2015 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (PA).
Issue: Managing the loan or lease

Complaint: I bought a Ford a while back, financed through Ford Credit. Having been educated in the basic principles of finance, I 'd like to make an effort to pay the loan down early. Unfortunately, their entire system seems to be deliberately designed to make this as difficult as possible. 

First, any payment you send in does not officially " clear '' for several business days. Twenty years ago, that was silly, but at least somewhat understandable. Today, in the Age of the Internet, it 's just flat-out ridiculous. If I submit a payment electronically and it takes more than 1 minute to clear, something is very wrong. If XXXX and XXXX can get it right, why ca n't Ford Credit? 

But that 's just a part of the larger issue. If you submit an additional payment, common sense dictates that you are obviously trying to pay the loan down early, but their treatment of the funds is disingenuous, bordering on predatory. Instead of applying the money to principal, as is appropriate for an attempt to pay down the loan early, they apply it as an early payment, and simply adjust your payment schedule to compensate. 

This makes no sense whatsoever. While it 's certainly imaginable that someone might have a need to make a late payment ( " I can pay you tomorrow, but not today, '' ) the thought of the opposite as a legitimate issue ( " I can pay you today, but not tomorrow '' ) is utterly ridiculous. And yet it is not only the default presumption when additional payments are received, it 's the *only* option available on their website. 

In order to have additional payments handled correctly, you are required to wait several days until the payment clears, and then call Ford Credit, navigate a phone tree that does you no favors in your attempts to reach a human being, and then finally explain the obvious to the operator and have them manually fix the payment in their system. And you are required to go through this long, wearisome process every. Single. Time. 

I have complained about this to them multiple times, and have been told that nebulous " technical issues '' prevent them from setting it up the right way. As a XXXX, that 's pure bunk. If any such technical barriers truly exist, they exist only in the mind of an utterly incompetent site developer. Much more likely is the theory that this is done deliberately, placing as many barriers as possible in the way of a customer paying down their loan quickly, in order to maximize interest income. 

Ford Credit refuses to fix or even truly acknowledge the problem, so I 'm coming to the CFPB. Please investigate and put a stop to predatory practices like this. If an additional payment is received, it should, by default, be applied 100 % to principal in order to pay down the loan as quickly as possible. Anything else is abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BTH Management (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Talked to them and disputed with credit beareu several times.

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 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX SHOWS ACCOUNT OPEN {$47000.00} Opened XX/XX/XXXX Deed surrendered in Leu of foreclosure XXXX  account closed. 

The account is not opened. It is and has been closed. It did not show up on my recent mortgage application/and home purchase XX/XX/XXXX. 
. 

This did show up last month when I tried to get store credit for furniture shopping. I was denied for this reason. I disputed with Experian, they removed it then put out back. Please help resolve this improper credit reporting. Thank you. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Settlement process and costs

Complaint: I refinanced my mortgage with Bank of America paying off a mortgage with Bank of America on the same property, my residence. Because of their delay and mishandling of the transaction. my new loan closed with costs different from what was disclosed to me. As a result, I paid on both the old and the new loan for a period of XXXX months. My new mortgage was closed on XXXX/XXXX/15 but the old loan was not paid off until XXXX/XXXX/15. Requiring me to make payments on XXXX loans at the same time. Being charge with interest on XXXX loans at the same time. My efforts to contact both the servicing people regarding the old loan or the processing people on the new loan has dead ended. At this point, no one is responding or taking responsibility to correct this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/17/2017 about Debt collection (Medical debt) with Unlimited Progress Corp (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On  XXXX / XXXX / XXXX  I was treated at,  XXXX   XXXX   XXXX , an ER at a hospital in  XXXX   XXXX . The hospital remitted an invoice to me in the amount of {$720.00} claiming that I had no underlying health insurance coverage. I made repeated calls to the billing department explaining to them that I did in fact have health coverage and gave them my insurance  carrier  information,  XXXX  of  XXXX , PA, as well as my policy number.     I continued to receive an invoice indicating an outstanding balance. After repeated cal ls ( 3-5 times ), I arra nged a conference call with the billing department of the Hospital and the claims department with  XXXX . The apparent disconnect was an improper " billing code issue ''. At the termination of the conference call, I was assured that the claim was now properly addressed and that I could consider the matter closed. At this point I shredded my file on the matter-therefor I no longer possess specific information as to the origins of the claim, hospital name. etc.     Today,  XXXX / XXXX / XXXX , I learned via my  XXXX  credit report that this invoice was never paid ( or if it has been paid, it was referred to collections nonetheless  ) a nd I now have a delinquency on my credit report. Subsequent to my conference call with the hospital and my insurance carrier, which would have occurred on or around  XXXX  of  XXXX , I NEVER received any additional correspondence from the hospital or their billing department indicating that this invoice was never satisfied.     Consequently, I am contesting the validity of this debt ; I would like this item immediately removed from credit report, and would like to pursue any all remedies available to me under the laws of the state of Illinois as well as any remedies available to me under the relevant federal consumer financial protections.     I can be reached at  XXXX  or at  XXXX  XXXX  XXXX .     Thanks you fro your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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: When I pulled my annual credit report a year ago, I saw that a fraudulent account balance from XXXX XXXX XXXX was reported on my file as a collection through XXXX, XXXX XXXX for {$60.00}. I immediately contacted the collectors at the number listed asking them to verify the validity of the account because I was with another carrier at the time the alleged charges were incurred. The company failed to provide this information and I submitted a dispute with Equifax to have the collection account removed from my account because the company made no attempts to verify the accuracy of the debt. I have yet to here from Equifax about removing the inaccurate account. Then today, I pull up my annual credit file and I see XXXX still listed as a collection as well as XXXX XXXX XXXX listed for the same debt. There is no contact information listed to contact the company and I have tried to initiate a dispute on Equifax 's website, but it is telling me the identifying info I have provided is inaccurate. Really!! These collection companies are parasites and Equifax is supplying hosts. They need to be held accountable. Fix the problems you are creating.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I would like to report multiple cases of debt re-aging by the XXXX. I have disputed with both Experian and XXXX multiple times, and in each instance the XXXX alleged debts are " verified '' and are allowed to remain on my credit reports. Now when I try to resubmit the disputes ( for at least the fifth time, possibly more ), I get a message from Experian 's website stating the items have previously been disputed and that they will not process duplicative disputes. The dates of first delinquency have been changed and made more recent on multiple occasions, allowing the erroneous " late payments '' to remain on my credit reports indefinitely. The true dates of first delinquency are well beyond a decade ago, and I continue to be penalized for these debts from XX/XX/XXXX ( this is XX/XX/XXXX! ). They are also erroneously reported again on my XXXX credit report as duplicate accounts with still more late payments reported by Dept of Education/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was wrongful evicted ( and I have the paper work to prove it ) but a collection company is refusing to remove this debt! My eviction says {$590.00} the collection company says {$1300.00}!!!!!! this is crazy!!! 
and my apartment has no records of this information. Can I sue this company for :! .Violation of the Fair Credit Reporting Act 2.Violation of the Fair Debt Collection Practices Act 3. Defamation of Character

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Medical debt) with Franklin Collection Service, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Franklin Collection Services XXXX XXXX XXXX XXXX XXXX, MS XXXX This company is not authorized to collect debt in Louisiana. I asked the company to verify the debt and they sent a hospital bill. I 'm requesting validation that the debt belongs to me and also proof of license in the state of Louisiana.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Billing disputes

Complaint: XXXX XXXX reported my credit card ending in XXXX as 30 days late for XXXX 2016. I made my payment using the app. They had just upgraded the app with new features. I added a new bank account and made my payment using the new app. They called me a few days later telling me that my payment was returned. I told them that this was not possible. I asked which account did they use they advised of my old bank account. I explained to them that I added a new account. I explained that it must have been an error with the app. I made a new payment and was assured that I would not have a problem. I just checked my credit and they reported me 30 days late. I plan to litagate this matter. I closed all of my accounts with them. The agent I spoke with tonight admitted that he could see the mistake, however after he spoke with a supervisor he came back and said he could no longer get the item corrected and that I had to do a dispute. His supervisor advised him that my account is reporting accurately.

Company response to consumer: Closed with non-monetary relief