milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2016 about Mortgage (FHA mortgage) with Moria Development, Inc. (FL).
Issue: Application, originator, mortgage broker

Complaint: I started a loan application with Peoples Mortgage Company, because they have a program called XXXX program. I was sign to XXXX XXXX, to work with me to be able to get a mortgage. Me and my husband had a lot of credit issue that I was trying to explain to XXXX XXXX but he was not trying to hear me. He felt like it was not his department and was turning me over to a credit report program. But the problem was I had to do couple of police reports because my oldest sister use my information to create debt in my name. This was the first problem with XXXX XXXX, he came over to me and husband as not friendly or a people person that work with the public. After Mr.Sheff information to me I just started to work on my credit in less than 10 days I have XXXX items fix on my credit on my credit report. The next I spoke to XXXX, I let know and I ask him for a pre- qualification letter. This is what XXXX had to say to me, '' XXXX XXXX, As of today 's date you do not qualify to buy a home. With your current debt and current income you do not qualify. If you 're looking for a dollar amount - I 'm sorry to have to tell you but Zero dollars {$0.00}. You do n't qualify to buy a home right now. There is quite a bit of work that needs to be done concerning your debt before you will qualify to buy a home. Even if your credit was perfect - your student loan debt is putting your income out of range to qualify for more than just about enough to buy an inexpensive car. I 'm sorry to have to tell you this but we seriously need to get control of your debt and pay your student loans down before you will qualify. '' This man cause me to be upset all day long at work, never been hurt so bad in my life. If your working with the public you have to be careful of what you say to a person because you do n't know how much your words hurt someone and you are representing a company. 
If you have any questions please feel free to call me in the office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX DIRECT : XXXX | MOBILE : XXXX FAX : XXXX EMAIL : XXXXXXXXXXXX XXXX Licensing : AZ XXXX XXXX XXXX XXXX Company Licensing : AZ XXXX CO, Regulated by the Division of Real Estate XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: On XXXX XXXX XXXX I sent via Certified Mail disputing several inquiries that I did not authorize. Transunion has since received the mail and neglected to investigate, provide the burden of proof or remove the unauthorized inquiries. 

Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX, XXXX, WI XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX UNIT XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, TX XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, TX XXXX | ( XXXX ) XXXX Inquiry : Online InfoDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX, NC XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, DE 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 03-02-2016 about Student loan (Non-federal student loan) with Social Finance, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: On XXXX/XXXX/2015 we made a payment from our XXXX XXXX XXXX account for our student loan at SoFI. On XXXX/XXXX/2015, we paid off the total loan balance in full. Because we were signed up for auto-pay, and our autopay dates was the XXXX of the month, I requested that SoFI cancel the XXXX auto pay because the balance had been paid in full. SoFI responded that they could not cancel the autopay and that I could ask my bank to do a stop payment. I requested XXXX XXXX to do a stop payment in case SoFI tried to pull an additional payment. 
On XXXX, we received a letter from SoFI saying that our account was paid off in full and that our account was free and clear. Then, on XXXX XXXX we received and email saying that there was a {$380.00} balance due. Since then we have spoken to SoFI representative multiple times and forwarded them all of the information that they requested and yet they have not updated our account and are continuing to insistent that we owe a final balance. 
Loan is a refi for an XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This is a follow-up to previous compliant number XXXX against Credit Collection Services. The initial complaint was XX/XX/XXXX. Credit collection Services responded " the complaint did not belong to them. '' On XX/XX/XXXX I called Credit Collection Services and received a reference number of # XXXX. I informed the representative I have received no response from my previous letters. The representative proceeded to give me the file number and also said I could dispute the collection via fax to XXXX. I was not successful in my initial attempts to fax and I called back to verify the number. I successfully faxed the company 3 times on XX/XX/XXXX with the fax confirmation as proof. 

The representative also gave me the website http : //ccsnotice.com and stated my pin would be XXXX. I spoke with XXXX XXXX @ XXXX PST on XX/XX/XXXX and XXXX @ XXXX PST on XX/XX/XXXX. 

Credit Collection Services closed the file with Consumer Financial Protection Bureau just as they ignored my certified letters requesting debt validation. I am sure this is illegal. Please see my photos as proof.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Settlement process and costs

Complaint: My mortgage is with Chase Bank under loan number XXXX. Most recently, I asked them to provide the refinance paperwork ; however, when asked them to provide the refinance paperwork, they responded that they had no idea what I was asking. I refinanced because the mortgage payments were too high and the refinance they offered lowered the payments by {$600.00}, so this is a problem with the inability to not pay the mortgage at the time. However, I do n't really understand the terms or how this happened and they did not provide the refinance paperwork. I believe that the loan is a conventional fixed mortgage but, I am unsure. Your assistance on this is greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Medical) with ProCollect, Inc (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I mistakenly paid a {$68.00} invoice to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) instead of the XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. Despite the fact that the services were not provided by the XXXX XXXX, they negotiated the check anyway. 

In XXXX XXXX I received my first of many notices from the collection agent ProCo to which I explained the situation in writing. I heard nothing more until XXXX when I received another notice from ProCo. This time I contacted the XXXX XXXX and XXXX XXXX requesting that the Group simply transfer the {$68.00} to the Center. I was told that such a transfer was not possible, and so I suggested that the Group return the {$68.00} to me so I could then write a new check to the Center. Subsequent to my suggestion, the XXXX called me and said the transfer was possible and the issue was resolved, which I believed since I did not receive my {$68.00} from the XXXX. 

In XXXX XXXX I was contacted again by ProCo and then today, I received a notice from XXXX XXXX XXXX, XXXX. I 've responded to both. However, it seems to me that the XXXX is the company at fault here because 1 ) they accepted payment for services they did not perform, 2 ) they did not transfer the payment to the center ( if you believe the collection agent and law firm ) and 3 ) they did not refund my payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (KY).
Issue: Account opening, closing, or management

Complaint: We have a second mortgage with Wells Fargo. Because home equity lines are lower than the 8.99 % we pay now a caller from Wells Fargo suggested we apply for a home equity line and payoff the second mortgage. We did and asked for {$11000.00} additional to do some work on our home. I had secured a hardest hit loan from Kentucky which was honored 6 weeks ago. I received a call just now and was told that Wells Fargo treats Hardest Hit loans like foreclosures and that 's the reason we were turned downed.. This is just not right. We got the hardest hit loan to avoid foreclosure and now find it is treated like a foreclosure even though it saved Wells Fargo XXXX dollars. Had we been foreclosed on Wells Fargo would have lost all the balance of their loan as they were 2nd lien holder.

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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX I received a credit alert stating that credit acceptance reported on my XXXX account XX/XX/XXXX. This account has been paid on time and closed since XX/XX/XXXX. Why is Credit Acceptance changing the status of an account thats XXXXyrs old? This is in direct violation of the Fair Credit Reporting Act.

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 12-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (DC).
Issue: Trouble during payment process

Complaint: My mortgage payment with Mr. Cooper ( formerly Nationstar ) is automatically deducted on the first of every month. This XX/XX/XXXX, I did n't see that deduction. Today, XX/XX/XXXX, I called to ask about the problem. The customer service representative and later, a supervisor, did not know why automatic debit was cancelled. As the supervisor told me " only the customer can cancel automatic payment and we have no record that you did that. '' Upon further reflection, the customer service representative told me that my mortgage was being sold to XXXX XXXX on XX/XX/XXXX. This was the first I heard of it. I received nothing in the mail from either Mr. Cooper or XXXX XXXX ; and the Mr. Cooper website did not indicate the pending sale/transfer of this mortgage. The website however indicated I was late on my mortgage, which was a bit annoying to me : I had set up automatic debit for the first of every month ; I called on my own to find out why the XX/XX/XXXX   payment was n't automatically debited from my bank account on XX/XX/XXXX ; the answer consisted of " we 're as surprised as you are '' and nothing more. It 's like dealing with the Bad News Bears of mortgage holders. 

Also, they told me a letter went out on XX/XX/XXXX notifying me of the pending transfer of my mortgage. I have yet to receive that letter - and even if I did receive it, it does n't explain why automatic debit was cancelled without any explanation. 

The customer service person just told me to pay the mortgage online. I do n't trust these people - never have. I 've always thought my mortgage with them was n't " going down '' as it should. Just yesterday, I read about their settlement with California for overcharging CA mortgage holders. 

In short, I would like to know ( i ) why automatic debit was cancelled ; ( ii ) why they did n't do a better job of notifying me of pending transfer of mortgage ( should n't there be a requirement that lender provides at least 30 days notice? ) ; and ( iii ) whether my mortgage has been appropriate amortized during the time they held this loan. 

THANK YOU, CFPB!

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 BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: On XXXX XXXX I applied for a Merrill Lynch Visa Signature card from Bank of America. They pulled my credit twice on XXXX XXXX resulting in two credit inquiries. I only authorized one inquiry for the one account. XXXX XXXX needs a letter from Bank of America stating that only one credit inquiry should have been pulled. They have thus far refused my request for a letter of deletion to remove the duplicate inquiry from my account.

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 05-09-2015 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This Co. keeps calling me on different phone numbers XXXX to XXXX times a day looking for my sister XXXX XXXX and I have asked them XXXX times to stop calling me and that she does not live here and they say the will but keep on calling over and over again they like to call from a new number and say that they have never called before but caller ID says different and there is XXXX different people that is on the phone when they call I have a phone for my own purpose not to get harassing calls for my sister and they are very rude when you try to talk to them about this

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CREDIT BUREAU OF NAPA COUNTY, INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In its statement dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX charged {$50.00} for service they said on XXXX/XXXX/XXXX, more than three years ago. Luckily, I had a copy of statement of my insurer indicated I paid in full in my copay for the service on that day, and I sent a copy of the statement contesting the charge and asked them for the reason why I am charged.They never provided more information or explanation of the charge, but keep charging in their statement dated XX/XX/XXXX,XX/XX/XXXX, and another one without date about a month later despite my repeated request for explanation every time I received such a statement. Finally, on XX/XX/XXXX, I received a phone call from an agent of Chase XXXX agency at both office phone and cell phone asking my birthday without explanation what for they are asking despite my repeated request. Since I could not recognize Chase XXXX XXXX, I told him I could not disclose my personal information without knowing what it was for, he hung up saying he would proceeds on collection process. When I return home late in the evening on that day, I received statement from Chase Receivables of the same charge that was referred to the collection agency with past due warning without any explanation of the charge that I have repeatedly requested for. I will be happy to pay if they provide me with good explanation for the charge, but they never provided me with one despite my repeated request, but forwarded the charge to collection agency. I am afraid that will adversary affect my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been paying all XXXX of my Federal student loans, and XXXX Private ones through Navient/XXXX on time for over 8 years now. I owe much more now and had no idea what this was going to do to my loans. I did n't know what Forbearance or deferment was or meant. I was forced into deferment and forbearance when I was on XXXX Leave with no income. It was presented as my only option to keep them " current ''. I sent in my pay-stubs and income based repayment application multiple times to try to lower my payments and was ignored and then denied. I found out they capitalized my interest and principle even though I was only on Forbearance or deferment from XX/XX/XXXX to XX/XX/XXXX ( 2 months ). My interest rates have increased and I do n't understand why. I should have been on a 25 year repayment plan, not 10 with my total loan amount. I feel totally taken advantage of and this this was deceived and miss led into both deferment and forbearance when it was not needed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: My credit union, XXXX XXXXXXXX, advised me that my personal information may have been compromised by Equifax in a hacker attack. I was given the following webpage : https : //www.equifaxsecurity2017.com/ following the link on XXXX XXXX, XXXX. I was directed to another website to verify that my personal information was stolen, following the instructions to arrive at the website : trustedidpremier.com I entered the last six digits of my social security number and my last name was told that, in fact, my personal data had been stolen. I was told that my enrollment date was XXXX XXXX, XXXX and that I should return at that time to sign up for credit monitoring service. 

On XXXX XXXX, XXXX I discovered that Equifax set up a bogus website to tell all visitors that their data had been compromised. I discovered this by being directed to the following website : https : XXXX Someone investigating the Equifax website had entered fake data and was still told that, in fact, they should sign up for data monitoring service. 

I was defrauded. I was tricked into thinking that my data was compromised to sell me a service to repair damage for which Equifax is responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Credit card debt) with Continental Finance Company, LLC (MA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I was contacted by  XXXX   XXXX  (  XXXX  )  XXXX    XXXX   XXXX  , NV a  XXXX   XXXX   XXXX  for  XXXX   XXXX  and  XXXX   XXXX  Fl. I had called the office and spoke with  XXXX  and was set to call her back Tomorrow.  XXXX   XXXX  from  XXXX   XXXX  proceeded to call my elderly  XXXX   year old  mother in law and was verbally abusive and threatening. When I called  XXXX   XXXX  and  XXXX  with this information they told me he went " off script '' and was not reading the script provided to him.  XXXX   XXXX  threatened to be on MY door step here in Massachusetts on  XXXX   XXXX . What his intentions are I do not know. I am on social security  XXXX  and do not make enough to cover what they want. I do not own property. This is a very old debt. When I called  XXXX   XXXX  back to tell him not to contact my mother in law again the phone went right into a message that " This phone is not set up to take calls at this time. '' These kind of threats are very frightening to all involved. Last year  Continental Finance Company had so meone call and personally threaten me. They were reported to the  XXXX  Police Department and were called while I was present in the room. This is not the first time.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In late XX/XX/XXXX, I noticed a fraudulent charge on my XXXX XXXX at a XXXX XXXX in Oklahoma for {$870.00}. I 've never been to Oklahoma, so I knew this charge was obviously fraudulent. I called and had the charge removed, and was issued a new card. This is the first time I 've ever had that happen to me. I received a call from XXXX on XX/XX/XXXX asking a follow-up question about the charge. I called back on XX/XX/XXXX, and they asked if I knew a " XXXX XXXX '' to which I said " No. '' On XX/XX/XXXX, I learned about the Equifax hack, and that the two may be connected. On XX/XX/XXXX, I checked www.equifaxsecurity2017.com to see if my information was impacted, which it was. On XX/XX/XXXX, I checked my credit report through XXXX, and placed a 90-Day Fraud Alert with the three credit-reporting bureaus, through XXXX. I plan on submitting an IRS Form XXXX, and enrolling in Equifax 's TrustedID Premiere before the enrollment period ends on XX/XX/XXXX.

Company response to consumer: Closed with explanation