milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Settlement process and costs

Complaint: Quicken Loans ( NMLS # XXXX ) advertised ( advertises currently ) a program for a {$500.00} rebate for my company 's employees that close their loan with quickenloans. I visited the quickloans website via their special link and proceeded to shop loan programs. After some time reviewing, I clicked on the pop up to chat and was connected with XXXX XXXX XXXX : XXXX. I shopped loan programs and he asked if he could arrange a phone call. I informed him that I saw their special offer on the company intranet site and was interested in getting pre-approved to buy a house. I met all the criteria in the fine print, and eventually found and closed a house. I confirmed at several points both via email and phone that I would be getting the rebate. I emailed XXXX and he replied that he would look into it for me. A XXXX later I still had not heard back. It has been almost XXXX months since I closed on my house and I still do n't have my rebate.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (LA).
Issue: Settlement process and costs

Complaint: QuickenLoans was well aware that an active dispute is present on my credit report. They requested and was provided a dispute explanation letter. I was told explicitly that I was financially approved. Now, with less than a week to scheduled closing, they are requiring the dispute to be removed before finalizing the loan. I have spent the last month working with the sellers to gather documentation and purchase insurance policies, sometimes missing work to get everything accomplished in time for closing. 

This dispute removal demand puts the sale at risk. If this loan is not finalized, I have wasted a month and lost money.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar has stopped sending me my monthly statements since I pay on line. They do not have the right to stop sending me monthly statements

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XX/XX/2017, I received an email from XXXX XXXX that stated " Spend {$5000.00} between XX/XX/XXXX XX/XX/2017 and get a {$150.00} bonus statement credit for purchases. '' I spent over {$5000.00} within the allotted time period and have not yet received my credit, despite meeting all of the conditions. I have tried requesting several times through chat on their credit website to resolve the issue, but the issue has not been resolved.

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 05/29/2015 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Taking out the loan or lease

Complaint: I HAVE NO CLUE WHO THIS BANK IS BUT REPORTED AS XXXX ON A FRAUD AUTO LOAN I WANT THE INQURIY REMOVED ALONG WITH STATEMENT TO XXXX XXXX AND XXXX TO SUPRESS ANY INQUIRY THEY HAVE MIXED MY FILE UNDER FALSE NAMES

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with One Technologies, LP (CT).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: This company has been taking my money for a year and I never agreed to this account. This company owes me {$400.00} and they refund it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (AR).
Issue: Settlement process and costs

Complaint: On XXXX XXXX, 2016, I received an unsolicited call from XXXX XXXX at US Bank in XXXX XXXX, Arkansas extending an offer to consolidate our loans ( a first and home equity line ). She offered 3.5 % interest on an {$88000.00} loan, for 13 years and payments of {$700.00} ( excluding taxes and insurance ). We agreed to the proposal and began to complete the paperwork to finalize the loan. In the course of our conversation, I *specifically* said " Now XXXX, you 're locking us in at the 3.5 % interest rate, right? '' and she responded with " Yes, I 'll lock in the 3.5 % interest rate ''. I know her exact words because I 've had problems with being baited and mislead with this bank before and I was typing as she spoke. I subsequently received a written Loan Estimate from US Bank with multiple errors - an increase from {$88000.00} to {$94000.00}, cash back which I told her I did NOT want, and ( the primary reason for my complaint ) and interest rate of 4.74 %. I contacted her, expressing my concern, and her reply was " Hello XXXX, I am sorry for the misunderstanding but the rates that were quoted were as low as rates ''. As I mentioned above, I 've had problems with being mislead by US Bank before when we agreed to a Home Equity Line of Credit, but I accepted that as being my fault for not reading the fine print ... that 's why I was so exact with my wording and took the time to write down her specific words when she called. She did NOT say that she was extending us an offer " with rates as low as 3.5 ''. She deliberately and specifically said " I can offer you 3.5 % interest on a loan consolidation '' and then specifically said ( I know I 'm over-using that word, but I 'm very upset right now ) she was going to lock that rate in WHILE WE WERE FILLING OUT THE PAPERWORK ( taking down wage information, confirming employment, etc ).

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 10-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt is orig from apartment complex XXXX XXXX in XXXX, XXXX ( under XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX ). I never received a bill from townhome upon vacating, even though I left forwarding address. I did not know about bill until 3 years later until my mother started to get calls from PDM, so was unable to dispute charges to original debtor. 
Charged : {$120.00} for cleaning {$150.00} for trash out food/refrig baby bed {$11.00} for autochrg {$130.00} for " Bal of 15 Day Notice '' Per lease, premises were left in original condition than move-in. Upon move-in, office staff informed me that they had not had a chance to clean yet, and gave me a can of oven cleaner. Bathrooms had not been cleaned, floors had not been mopped. Upon move out, I cleaned all rooms, vacuumed, mopped all areas. There may have been some dirt from moved furniture, but absolutely not {$270.00} worth of cleaning. I did leave a crib in one bedroom, but had told mgmt that I would in case another tenant wanted it, as it was still in good condition and many people in the community were low-income. She said, " That 's so generous of you '' ; did not mention that I would be charged for someone to remove it from the room and give away/ throw away, if that 's what they did with it. 
PDM did not remit hourly wage and hours spent cleaning to justify such a large bill. 
" 15 day notice '' charge is not in lease ; I was on a month-to-month lease when I moved out, so did not owe add'l funds, as can be seen on " $ XXXX month-to-month '' charge on bill. 

When I told PDM that I wanted to dispute the charges, they immediately said that I should have done a walk-through with mgmt. Mgmt did not request a walk-through, I was never told about this requirement. Not sure if this nullifies my rights, but I do at least think that I should be given itemized bill of how they spent {$270.00} to clean the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: please remove this account it over 7 years so please. i have ask all XXXX credit reporting agency to remove to no evail.this account was open in 2007

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 11-09-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage will not update my account to reflect that XX/XX/XXXX payment has been made and to reflect my next payment is XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage account # XXXX DOB XX/XX/XXXX SS # 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 04/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I began the process of saving our home under the under the Home Affordable Modification Program in XXXX, which by the way save our home and I am very grateful to our government for making this happen. The issue is that I have suffered a devastating impact that is now impacting our small business. Unknown to me at the time, my payments under the trail period would be held and I would have a 90 day late reported on my credit report. I sent a letter to Wells Fargo on XXXX XXXX, XXXX to request the 90-day late XXXX XXXX be removed. I included all the supporting documentation to demonstrate that I had paid my payments on time as instructed by the bank. In addition that I successfully was approved for the Loan Modification. XXXX XXXX, I received a phone call from Wells Fargo requesting me to send them my credit report. XXXX XXXX, I fax the information. On XXXX XXXX, I contact the bank to ensure they had received my fax. Since they had no record of my fax, I asked for a email to send the documentation to and also confirmation of receipt. XXXX XXXX, I received a letter dated XXXX XXXX, stating " Under federal government 's guideline for the Home Affordable Modification Program we are required to report when the account is past due at the beginning of the Trail Period Plan ''. I contact the person that was handling the account and stated I made the payments on time as I was instructed. XXXX XXXX, I received another letter from Wells Fargo stating that more time was required. XXXX XXXX or XXXX, I received a phone call from the person at Wells Fargo handling my request, whereby I was informed that they are unable to change this reporting on my credit report since it is mandated under the Federal Government. I asked them to provide this decision in writing. As of today, XXXX XXXX, XXXX I have not received any written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Pinnacle/XXXX is reporting to XXXX falsely as an original creditor when in fact they are a collection agency for XXXX. No where in the XXXX report does pinnacle state original creditor is XXXX. They have continued to verify disputes that I have opened with XXXX that they are the original creditor and they are not. XXXX is also reporting payment history, high balance and amount past due which a collection agency is not permitted to do. They also continue to say it 's XXXX doing it when in fact XXXX states pinnacle is reporting the debt this way. They also monthly change the amount owed on the account by XXXX dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I was a victim of Identity Theft and only learned about this after Discover bank filed suit against me. I have sent in a dispute with the credit bureau 's and they still continue to report this inaacrate info to and on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I purchased a vehicle from XXXX XXXX XXXX XX/XX/XXXX. Due to their erroneous credit reporting all consumer trade lines had to be hidden/removed from individual reports. All of the consumers trade lines have been added but not consumers who 've had a bankruptcy. My bankruptcy was dismissed because I opted to pay all of the debt and XXXX 's vehicle was never included in the BK. For the last 3 1/2 years I 've made every payment on time however in XX/XX/XXXX XXXX reported me as late so I understand the reasoning behind the judgement. Over all this has been a horrible experience and I will never do business with them again however I would like the benefit of having this line added back on my credit report. I would like to obtain a new car loan with a new lender to have this positively reflected on my report but because the last 3 1/2 years did n't happen I am back to having a negative car loan experience and higher interest rated. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: My late husband ran up many fraudulent debts in my name before he XXXX XXXX  in XXXX, 2015. Since then I have worked diligently to pay off any debts that could have benefited me, and to protest those that I knew were his debts. His name was XXXX XXXX XXXX. My XXXX score is now Excellent. But Equifax continues to lower my score for no reason. I was affected by their data breaches. I have tried to ask them why they seem to lower my score every time I dispute incorrect information. They show the dispute as a " credit alert '' on their XXXX website, that is free to those harmed by their data breaches. It appears that my score is being lowered as retribution for disputes of bad information. I still can not see results of my disputes because of bad address data on their databases. This is very frustrating and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Credit card () with DISCOVER BANK (LA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was the victim of ID theft and a family member opened a fraud account in my name. I have tried to dispute this account with Discover card but they keep saying it is valid and it belongs to me. Of course it would look like its mine cause my Identity was stolen!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed over and over the validity of XXXX XXXX XXXX ' reporting. They were never able to validate a debt. They reported an incorrect balance for years. I disputed and Experian just updated the debt as valid. It was not. It has been incorrectly reported for at least 3 years. Their dispute process did not follow through with appropriately verifying a debt over and over again. They posted the debt as valid and it was not.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (AK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XX/XX/XXXX maybe early XX/XX/XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission.

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 03/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was sent a letter from IC Systems stating I owed a credit {$170.00}. I have a copy of the debt demand. When I disputed the debt and asked that they furnish proof that I owe this debt I was told that if I did not pay the {$170.00} then they will report me for owing XXXX ( which I certainly do not owe ). I told the agent I am an attorney and that was blackmail. He hung up the phone. I was never sent the proof of debt ( I even faxed my dispute to them ) and instead they reported to the credit bureau that I owe {$980.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hi, my name is XXXX XXXX. I live in XXXX, CA. My property is XXXX XXXX XXXX, XXXX, CA XXXX. I have a very serious problem going on right now. I have a sale date scheduled for my home on XX/XX/2017. My servicer now is Shellpoint Mortgage Servicing, a division of New Penn Financial, LLC. My previous servicer was XXXX XXXX XXXX, XXXX ( XXXX ). I was under a loan modification review with XXXX and out of nowhere I receive a letter from Shellpoint Mortgage saying they are the new servicers while after receiving that letter I was still getting correspondence from XXXX for a very long time. I was very confused as to who was the real servicer was. That put me in a very bad stop because I never received goodbye letter from XXXX saying they have transferred my loan to another company. I was scared what if this Shellpoint mortgage was a scam company asking for my documentation. 
Back when the crisis happened my business went down. I lost my job and my income. I could not pay my mortgage. After a while I got back up on my feet. Found a job, my income got getter and increased. But it was still not enough to pay my mortgage so I turned to apply for a loan modification with the bank at that time. I got approved, they gave me a trial period payment it 's a three payment process. I paid, but as soon as I made the 3 payments in a course of three months they sold me to another bank, that bank did the same thing three payments and then sold me. Now I 've been working with XXXX XXXX XXXX for over four years now. It 's always a game with them. I apply, send them all requested documents, wait send more documents, wait, then a sale comes up, I XXXX out, I XXXX, I give them everything and they still try to sell the home. I already am exhausting all my energy. I want to keep my home, I want to pay my mortgage but can not because I never get offered anything. How much longer will I have to wait and keep this going? 1 year? 3 years? Will I ever get a chance to pay my mortgage at an affordable monthly payment? A loan modification is supposed to help me but I ca n't even get an offer. I now have a Sale date that is scheduled for XX/XX/2017 and I 'm scared that they will sell my home after all these years trying and me and my family will be left out on the streets. I called Shellpoint Mortgage Servicing and they said they have received all my documents but they can not talk to me other than their legal team. I asked for them to give me the legal teams contact information they said that someone will call you in 5 business days. By that time my home will be sold. I need to talk to someone now. No one will talk to me and they said that I do not have a single point of contact. I believe they have and are violating my Homeowner Bill of Rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation