milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (AZ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was in the process of obtaining a mortgage loan from Quicken Loans. At one point a representative from their under writing department stated to me " because you are so young, we believe you 're going to use this as an investment property ''. So I firmly believe they treat " younger '' people   as liars. Additionally, if those are normal underwriting practices, it makes it unfair for " younger '' borrowers. Towards the end of this loan I encountered another issues. I received news from them that the loan woul d be declined , two differ ent representatives told me the decline reason was because the property was " unlendable ''. Which if its a rule due to it being a condo I am fine with it. But what I am not fine with, is them giving me a decline letter that states the reason for decline is because my debt was too excessive. So miscommunication or misinformation is another issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/20/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Trouble during payment process

Complaint: Good morning I need your assistance please. Back 6 years ago my wife died, she was the only name on our home mortgage at that time. Since then the mortgage company was XXXX, they had somehow given it to NationStar Mortgage, now known as XXXX XXXX. I was the executor of estate, i had submitted all the documents required to NationStar a good year ago. Since then the home officially became mine, and again submitted all the documents I was asked for. Well earlier this year i went to refinance the home, I called NationStar and was not not pleased with the interest rate they offered me, so I went elsewhere, and XXXX became my new mortgage company. After all was done I received a check in the mail from NationStar check number XXXX for the amount of {$960.00}, the problem with that it was made out to the estate of deceased wife. i could n't deposit it, so on XXXX/XXXX/XXXX at approximately XXXX i called and spoke to XXXX XXXX who redirected me to XXXX in Arizona XXXX I told him, and said within XXXX business days I 'll get a new check. Cool, I thought. On XXXX I did receive a new check for {$110.00} check number XXXX. Now i 'm getting a little annoyed so I called on the XXXX of XXXX and spoke to XXXX in Texas, who at that time said I would now need to prove I 'm the one paying the mortgage, and would have to mail in at least 1 years worth of bank statements. Guess they forgot I have done that months prior, and they take it directly out of my bank account, which she refused to look into. So! any help will be appreciated, wspecially if there is any penalty that can be included, besides the website, and social media I 'll be posting this too. 

Thank you in advance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX NationStar Mortgage XXXX XXXX XXXX XXXX XXXX, TX XXXX LOAD NUMBER XXXX - LATE WIFES NAME XXXX XXXX. 
POLICY NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Auto) with Blitt and Gaines, P.C. (IA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I had a judgement against me in XX/XX/XXXX from a auto loan. They repo 'd the car and still want paid the entire price of the loan and int. They also did not bother to show to court for the judgement, but the judge apparently stood in for them. As of Wednesday XX/XX/XXXX my checking and savings accts were froze. The funds of {$3100.00} that were in my savings, were part of a federal student loan refund that I have proof of day of deposit and a financial aid statement. The bank refuses to lift the freeze. Please point me in the right direction please. I am attending school and working part time and losing those funds would and are causing financial distress. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Mortgage (FHA mortgage) with ASSOCIATED BANK, NATIONAL ASSOCIATION (WI).
Issue: Application, originator, mortgage broker

Complaint: I feel that My wife and I were discriminated against during our application process for a mortgage. Additionally, the reasons stated for our application refusal were inaccurate and fraudulent. Our emails and phone calls went unanswered during the application process - we were basically treated disrespectfully throughout the entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My information was part of the XXXX and Experian data breach. My information was compromised. I have taken the necessary steps to put a lock/freeze on my credit report to prevent this form happening again. I have several hard inquires from companies that I didn't apply for credit nor authorize them to so. I have tried to reach out to the companies along with the credit bureaus to try to get these inquires removed and have had no success. Some of these same inquires were also on my wife credit report. An have been removed from her report. This is affecting my credit score as well as my well as my ability to apply for credit now or in the future due to too many inquires. I makes me look like a high risk. Also I have to keep a certain imagine up due to certain security clearances for my job.

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

Complaint: Through gross negligence regarding basic computer security standards, Equifax managed to reveal my personal information to hackers and potential malicious actors. Not only did it take them over a month to detect the breach on their own, it also took them a long time ( months ) to report the problem to the public. They have acted irresponsibly in informing the public, as I had to hear about the breach on the news rather than being informed by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Credit card) with Sentry Credit, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Sentry Credit INC XXXX, WA. This company bought my outstanding loan from CREDIT BUREAUS which is XXXX years old. Added interest to my balances and trying to aggressively collect the debt saying they will make sure the collections remain in my credit reports for another 7 years.

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 02-11-2017 about Debt collection (Medical) with AMERICAN ADJUSTMENT BUREAU,INC. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Bills from XXXX XXXX of XXXX that I discovered in my credit report and referred for collection to American Adjustment Bureau. XXXX referred me to AAB, AAB has not responded with verification of amount and veracity of charges.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a credit card with Bank of America in XX/XX/XXXX account has been closed since XX/XX/XXXX. It still shows on my credit report should have been removed after 7 years. The statue of limitations for this to appear on your credit report is overdue.

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 11/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a Mortgage with Chase Mortgage for a few years. In XXXX I received notice that my escrow payment was to be increased. If not, my payment would be increased {$280.00} to XXXX. I made the payment on the escrow shortage on XXXX XXXX 2015. In early XXXX I received a letter from Chase in the mail that my new payment would be increased by this new amount ( to XXXX ) There was no acknowledgement that they had received the escrow payment or otherwise why this was. I called Chase on or around XXXX XXXX to ask for clarification. I went through XXXX sets of menus and talked with XXXX people, XXXX of whom was XXXX. I ended up talking with a woman whose name I did not record. This woman tried her best to insist that I now owed the amount of XXXX, but in the end could not explain why, even though she put me on hold for around XXXX minutes while she talked with a supervisor. When she returned, she again tried to explain but could not. While I had informed this woman that i was about to be late to work and needed to conclude, I was on hold for a long time, spent XXXX minutes with her letting her try to explain why the payment was increased ( but in the end could not ). n the end I spent nearly an hour on the phone, She told me that my payment would increase to XXXX in XXXX, but could not exactly explain why that was either - given that I 'd paid the escrow shortage in full ( I have made the increased payment of XXXX for XXXX ). She finally promised to find out and call me back. In the end - even though I had made it clear that I could not spend much longer, due to my attempt to accommodate Chase employees attempt to explain ( which they could not ) and the long hold periods - I was late to work and the cost to me in idle workers and other consequences was close to {$700.00}. As of today I did not receive a call back, but did receive XXXX robot calls saying I needed to call on an important matter. I called Chase back and spent nearly XXXX minutes during lunch with XXXX ( spelling is XXXX ) who tried her best to tell me why Chase wanted a payment of XXXX in XXXX, even though the escrow shortage payment that Chase requested had been made in mid XXXX, which she confirmed, and that the other payments that I had been required were also received. She also told me that Chase had received the XXXX payment ( which is the amount that had been required before now ) but not applied this payment because I had not paid the full amount. In the meantime, for " late '' payments Chase had assessed me {$170.00}. After XXXX minutes of trying to explain - and insisting that she was giving me the answer - she told me she was not qualified to explain the answer to this question and would send me to someone else. At this point I had to return to work and ask her to try to call me, She said she would.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have requested multiple times that Experian remove all of the information that I have circled on the attached credit report. They refuse to do so. They keep sending me an updated credit report saying that the information is not there and pretending to not know what information that I am referring to. 

Please see attachment.

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 've contacted all three major bureaus regarding XXXX XXXX which is incorrect. Two of the three major bureaus removed incorrect tax lien information ( XXXX XXXX and XXXX ). But Equifax has refused via their investigative process, remove XXXX XXXX in the amount of {$11000.00} which has been paid. I do not owe {$11000.00}. Amounts were paid by way of taxes owed to me. Balance is less than {$100.00} at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I subscribe to several credit monitoring services. In XX/XX/XXXX I stopped getting any updates on my reports from Equifax. I called Equifax in XX/XX/XXXX to find out what the problem was but they could n't help ask me. In an attempt to troubleshoot the problem I attempted to sign up for Equifax credit monitoring service however I was unable to so I called to ask why and they did n't know. I spent a bit of time on the internet and came to believe that my inability to access my Equifax report was most likely due to my having too many soft inquiries on my credit report. OnXX/XX/XXXX I  called Equifax and told them what I suspected the problem was, they agreed with my assessment and said they would send the issue to the technical depart to have the excess soft inquiries removed. I was given a case number which is : XXXX. I was told the problem would be fixed in 7 to 10 days. After 10 days had passed and it was n't fixed I called to see what was going on and I was told it takes 7 to 10 business days to have problems fixed. I called again today ( it 's been over 10 business days now ) and was told it has n't been fixed and they ca n't tell me when it will be. I have spent about 2 1/2 hours on the phone with them over the past few weeks and I am very frustrated. I want to apply for credit and I am unable to because of this problem. I told them this and it does n't seem to matter to them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (MD).
Issue: Application, originator, mortgage broker

Complaint: I submitted an application for a mortgage refinance loan with Quicken Loans on XXXX XXXX. The terms of the loan were conventional loan with LPMI, no appraisal required and the rate was 4.125 %. I submitted all the required documents and the loan processing started. On XXXX XXXX I received an approval letter from Quicken Loans confirming that I had been approved. During this time I contacted a few other financial institutions to shop around a bit because the fees that I was being charged from Quicken Loans seemed a bit exorbitant. XXXX lender referred to the Quicken Loans loan estimate as predatory lending. I did not feel comfortable with this information and on XXXX XXXX I contacted Quicken Loans to request that my mortgage application be withdrawn effective immediately. On XXXX XXXX, a lady named XXXX from the Quicken Loans Executive office contacted me to ask me why I was withdrawing my application and to determine if there was a way they could keep my business. I informed her that I was moving forward with another lender and then I asked her to confirm that the loan application has been cancelled, which she did and she said I would receive a letter confirming this in the mail. On XXXX XXXX, I received the letter but the reason listed in the letter was incorrect. The letter was worded that they could not offer me a loan because of my 'unique ' financial situation. This was really upsetting as I 've never been declined by a financial institution in my life. I immediately contacted them to have this information corrected. XXXX XXXX called me on XXXX XXXX and apologized for the letter and stated that by law they are required to send out a letter when the loan process does not complete. I told him that the letter should state the real reason, not a made up one. He agreed to send me an updated letter stating that the reason was that the customer had withdrawn the application. I received a letter from him via email but the letter did not have any information referencing the loan number or his signature. I responded to him on XXXX XXXX to let him know that the letter was not acceptable and his coworker XXXX XXXX ( he was out of office ) informed me that they could not change the letter. I do not feel comfortable with a letter with made up information on it. Quicken Loans needs to correct this. They said it 's not a big deal but the fact that they are fabricating information about my withdrawn loan application is a big deal for me. It seems malicious and like they are retaliating against me for withdrawing my application.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Credit card () with SYNCHRONY FINANCIAL (WA).
Issue: Closing/Cancelling account

Complaint: I was informed my Sam 's Club account had been closed yesterday after making my required payment ( over the phone today ) without any written warnings from this creditor, I 've been paying on my account monthly and my credit limit was {$1000.00}, I only used {$450.00} in credit. The online account summary states my account is open. They had previously closed my account due to a lost card and made my credit score go down XXXX points. I believe they are practicing unfair credit practices. I 'm requesting my current account be reinstated and a letter issued to all XXXX credit reporting agencies explaining the closing of the previous account due to a lost card.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Trans Union Issued a credit score of XXXX on XXXX XXXX, 2016. After I secured a vehicle loan and increased the line of credit on my federal credit union account of over 10 years, my credit score dropped to XXXX on XXXX XXXX, 2016. New accounts are suppose to affect the credit score about XXXX %. My score dropped over XXXX points. Also, inquires were made within 30 days to process this car loan but each inquiry was counted separately instead of as " XXXX '' inquiry by law. There was a number of inquiries that are inappropriate. I tried to resolve this with officials with Trans Union with no success or valid explanation.

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 11-11-2016 about Debt collection (Auto) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: At ot around XXXX Lobel financial send a tow truck company to repossess my car. I was not home but my mother XXXX several of my family members were home a sleep the man banging on the front door waking everyone in the house and disturbing the peace. I feel this violate the XXXX fair debit collection in business and professional code.. I did not receive any documentation from the tow truck company. my car windows do n't roll up on XXXX side of the car and XXXX does n't go down I feel that my truck is not safe. They did n't give a invoice of the property in the truck. I called the company they had no idea what tow company has my car or were its at. And told me to call back very rudely. This is my frist repo. 
I just got a transmission rebuild that cost XXXX in the begging of the year. lobel fincal knows my car was a lemon. And told me there 's nothing they can do about it. The car value on paper is not the proper price for the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (DE).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2017, I purchased a new car from my local Toyota dealer ( XXXX, XXXX XXXX, PA ). In a moment of weakness I also purchased a Vehicle Service Agreement with the {$1800.00} premium to be included in my auto loan through Toyota Financial Services ( TFS ). After reflection, I returned to the dealership 24 hours later and cancelled the agreement with the premium to be returned as a credit to my loan balance. After more than 4 weeks, with no refund and multiple inquiries to both the dealer and TFS, I was told that the refund process normally takes 6-8 weeks before the credit is applied to the loan balance. In today 's electronically-connected financial environment there is no legitimate reason for a simple refund to take that long to process. Two business days would be much more realistic.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I had written XXXX to Equifax on XXXX XXXX via certified mail XXXX XXXX and XXXX XXXX concerning XXXX account by debt collectors XXXX XXXX XXXX account XXXX and XXXX Account XXXX. 

I had seek validation from XXXX through certified mail but did not received it. Tracking numbers are:XX/XX/2015 XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAlso XXXX XX/XX/2015 - XXXX XXXX XXXX XXXX XXXX XXXXI did not get any response from either that this debt is valid. I escalated this to Equifax, sending them copies of the letters I mailed to the collector as well as proof of delivery, and they responded with an automated response " We verified that this item belongs to you '' but did not validate the item or showed proofs that this debt is valid. It has passed more than 30 days since I requested validation and have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX XXXX. My ssn. is XXXX I have used the last names of XXXX, XXXX and XXXX.. I have lived in XXXX, XXXX, XXXX, XXXX, and XXXX, and XXXX. I I have notified both TransUnion and XXXX in writing in XX/XX/XXXX and XX/XX/2015, that fraud was on my Credit report. I have never lived in XXXX. My identity was stolen last summer, and student loans and my social security number were compromised. Also, I have asked them to remove the information that is over eight years old. They have done neither.

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