milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2016 about Mortgage (FHA mortgage) with CARDINAL FINANCIAL COMPANY (GA).
Issue: Settlement process and costs

Complaint: I have been working with Cardinal for months. I sent you a complaint a few weeks ago. Nothing was done, but not things are even more serious. I think they are intentionally trying to make sure that my loan is denied, probably because I filed the complaint. I was suppose to close on XXXX. I did n't. Not because I had n't done what i was suppose to do, but because they kept changing the " fha guidelines ''. They constantly lie to me. I was told I had to verify funds of 1 % of the loan or more, but the day before closing they started demanding all this extra paperwork that is not required. They have contradicted themselves over and over and I think they are doing it on purpose. I did everything they asked. I got them the paperwork and then I was told underwriting had approved the loan, but because my score had changed ( It was still higher then then XXXX required for fha ) the president of the company would have to sign off on my loan. All of this on the day of closing. I 've never heard of such a thing happening. I was told the decision was to " refer ''. I know that means they would have to manually approve it, and because I had did everything they asked and they never told me there was a problem with anything i provided, i assumed it would be approved. They did n't approve it. I was given all these excuses and now I have less than 8 days to raise my score by XXXX points or lose XXXX dollars that could have been used towards my special needs child and the home. I ca n't afford to lose this home, but they have done so many things. I even asked if they were doing this because i was XXXX. Cause I ca n't think of any reason why they would be giving me such a hard time when i 've jumped through hoops to make this happen. I asked the loan processor, XXXX XXXX, if i needed to pay my credit cards down because the balance went up. I asked him this 2 weeks or more ago. He said NO. He said that as long as the minimum payment was low it would be fine. Now I 'm being told that I need to do whatever to raise my score, including paying down the balance on my credit card or I wo n't get the loan. I 'm in my extension period. I have paid down the credit cards as of yesterday and they are suppose to submit a rapid rescore on monday. I pray this will resolve the score issue, and I can finally close, but I feel that they are intentionally putting road blocks up. Why offer fha loans if you are n't going to follow the guidelines. They have me in a horrible position. They know this and they do n't seem to care. Oh and I was given conditional approval weeks ago and I was also told that underwriting approved everything but the president would n't sign off because my score had dropped and when asked to manually approve because the score drop was a mistake i was told she would n't. all of this on the day of closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Frost-Arnett Company (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My XXXX Credit report states that I have a debt collection that was paid for by my insurance that I had when I was working. I had a XXXX in XX/XX/XXXX. My insurance paid these claims, and I became homeless in XXXX XXXX until XXXX XXXX. I could no longer pay rent and lost my home. I no longer have the paperwork that provides the proof that this debt was paid, because I was living out of my car. I no longer have any vehicle, I am XXXX and I have no way of providing the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, Experian and XXXX XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

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 12-02-2016 about Mortgage (FHA mortgage) with Prospect Mortgage, LLC (NY).
Issue: Application, originator, mortgage broker

Complaint: Prospect mortgage has had my application since XX/XX/2016 for an FHA XXXX loan only to have an FHA loan process according to the broker.. I have be in contract with the sellers with a short sale home for the same amount of time. I have received a number of contradictory estimates ... the house was initially XXXX and now dropped to XXXX. Closing cost Has been exaggerated and unreasonable and well as contact with the brokers. No phone calls seems to be accepted only emails. As there are many. They are a number of contradictory statements. Please help short sale expires XX/XX/2016. There is so much more to state there were false documents, Appraisals, and a number of other unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am a victim of IDENTITY THEFT. I have notified the XXXX CA. PD on XXXX XXXX XXXX. XXXX Investigator in Fraud Dept deemed the account as Fraudulent with Identity Theft. I TOLD Equifax in XXXX XXXX -- 8 MOS. AGO THAT THE HARD INQUIRIES FROM XXXX AND COLLECTIONS ACCOUNT WAS FRAUD! I am reporting Equifax to CFPB govt office for not properly verifying ANY FRAUDULENT activity despite my several DISPUTES! Equifax kept saying " the account has been verified ''. If a thief has my SS, name and Date of Birth, of course that fraud is going to be 'verified '. BUT when I told the CB that I DID NOT own or have an account with XXXX, Equifax insisted the account was MINE and LEFT THAT ON MY CR wrongfully! Now I need to buy a car and I CAN NOT because those criminals also used my identity to do several other fraudulent activities, which Equifax may have helped me catch that but instead also left on my reports! I am angry because Equifax DOES NOT VERIFY ANYTHING despite what they say! I now am suffering the consequences and can not buy a car I so desperately need. DO SOMETHING CFPB you are the govt offices that can impose fines for reckless credit bureau reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Other debt) with I.C. System, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Cable bill saying i owe {$190.00}.

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 04-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MT).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I was a customer of Wells Fargo bank in XXXX, Mt. XXXX since XX/XX/XXXX or XX/XX/XXXX, checking accounts, bought 3 houses, sold and when I bought the last house owned it for 4 to 5 years, never late on payments, but got real sick, could'nt make payments, so tried to sell & rent it out till I was better, they would not work with me at all, so I had I to get a lawyer to help me, anyways Well Fargo sold the house had no problem selling it. I even payed the them more then my mortgage payments at times and still made payments even when I was'nt living there anymore, so I say between a renter that moved and me still making payments nobody living there got to point I just could do it anymore, so closed all my accounts between XX/XX/XXXX to XX/XX/XXXX?? so obviously I moved out, since then Wells Fargo has sent me a settlement check stating it was for a class action for {$10.00} to {$14.00} dollar, then sent, then sent me a credit card to use which I never asked for with a {$10000.00} credit line which I have never used still have it just filed it just thought it was strange and this was to my new e-mail & address and was sent XX/XX/XXXX sent me a email stating from WFsettlement.com for a XXXX   XXXX lawsuit ..I never deleted so if you need a copy of it let me know..If I got something coming to me that would be great, if not oh well ... confused!! and Thank You for your time, have a great day!!

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 10/30/2017 about Debt collection (Other debt) with Nationwide Financial Group (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I for the first time leased a phone from XXXX.I had been a customer and swore by them being the best ... until they treated me in professional, charging me for a broken phone that off & on from XX/XX/XXXX ... They did n't want to fix their phone bcuz it has had a warranty on it by XXXX ... They would not help me at All ... I had to go to XXXX XXXX to get a phone # ... .So I sent the phone back to them and received it the end of XX/XX/XXXX it is still not working ... Do now XXXX nor XXXX are returning my calls no one is listening to me at XXXX..I had to remove everyone off of my account ... .I am on by myself and they are charging me for a broken phone, I had someone finally reach out to me & put me through to someone who knew that there were broken teeth on the mother board, he was sending me a replacement phone bcuz I could n't break the phone it was internally broken. 
So I received two letters one said I had a month left to pay the bill I have stood my ground that my phone is broken and need someone too listen and assist me Second letter gave two months so it would carry me through the end of contract ... They stressed me out to the point where my XXXX XXXX was XXXX ... So I told them you are charging me for a broken phone, a replacement phone that does n't work either bcuz the phone # is on restriction so I have been charged for a BROKEN PHONE, NO SERVICE SERVICE TO REPLACEMENT PHONE & I caught up with anything I owed from XXXXXX/XX/XXXX ... .So BASICALLY they were charging me {$750.00} a month With no service, on the broken or replacement PHONE They never turned on ... So after my contract ended I started with another company explained everything I needed them to know .... 
Thank You for allowing me to vent & put everything that I could SHARE ... It is a Very hard time even to getting me SICK I never have dealt with careless people ...

Company response to consumer: Untimely response
Consumer complaint received 03-09-2016 about Debt collection (I do not know) with GFS, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Collections Agencies continues calling my work, after I requested not to call my work. The debt is not mine. They have yet to send written proof.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Debt collection (Credit card) with New Century Financial Services, Inc. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Although I was only allowed to check XXXX statement in each category, almost all of the above apply. A debt that was satisfied in 2005 with proof from my credit union, they presented to the courts, continue to leave on public record, removed money from my bank account and told motor vehicles not to issue my registration ( although motor vehicle did cash my check ), Motor vehicle has not sent my registration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Please see attached again. My funds have still not been applied correctly and I went thru the fees. Also as their attorney said BSI apologizes for claiming a request was a QWR when it was an appeal does not make it ok. I want my fees applied correctly as requested and the statement does not even show the extra XXXX claimed to not be applied. I would never know what was not applied without constantly having to question everything. It should have been XXXX not XXXX extra. I am so tired of this run around. I want my funds applied as directed plain and simple. If BSI bought this loan it is their responsibility not mine to prove fees. In regards to XXXX maybe they should realize XXXX never responded to any QWR I sent them. Never mailed me statements or anything. I found out they bought from XXXX months later and I contacted them asking for info. They never sent me a statement or fees or anything. The only thing they ever said is that they are working on XXXX modification that was sent. Never a fee, Never a response to QWR NOTHIONG!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Auto) with URS Holding, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a lease on a toyota XXXX and paid regularly until the lease was expired. I turned the car in. A few weeks later I received a bill for {$720.00} for over mileage. I paid the bill that day and did not hear another thing until last week when I received a notice from United Recovery systems saying I had not paid the bill and failed to respond to previous requests. That was the first and only collection notice i received. After extensive investigation involving going to my bank, callint XXXX XXXX XXXX, XXXX XXXX services, visiting both XXXX and XXXX dealerships, we finally figured out that I had, in fact, paid that bill but, since the lease had been terminated, there was no further account. Thus, the payment was applied to another lease on XXXX. But I was never told that nor was there any way for me to tell. Subsequently, I rolled that lease into another XXXX but was never told anything about the fact that the {$720.00} was applied to that down payment. 
So, after several days, many calls and visits and much aggravation, I called the credit bureau back and paid the {$720.00} again, but extracted a promise that I would receive a letter stating that my credit was cleared and the bill was paid. Instead, I received another collection notice from United Recovery Systems for {$720.00}. Of course, they are not open during non business hours and I have a day job.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Inability to regain control of my student loan account after financial hardship because late fees are outrageous and unable to gain a forbearance unless you are paid to current ;. Can not be current on the lawn without the forbearance due to not making enough money to make the extremely high payment amount. 

I can not choose all XXXX repayment options listed below, however, all XXXX options apply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (UT).
Issue: Loan modification,collection,foreclosure

Complaint: Faxed a written payoff request to CitiBank on XXXX/XXXX/2016 for a 1st and a 2nd lien. Received the payoff on the first lien almost right away. Was told that it would take 10 business days to process the request on the 2nd lien. Advised them that TILA/Reg Z indicates payoff should take no more than 7 business days but relented to the 10 business day timeframe since the loan is discharged bankruptcy. 

On the 10th business day called and they said payoff was being faxed this morning. Never came called them back and they said they only got the request on XXXX/XXXX/2016. They said because the request was not signed that they would not process the request. 

Since when do payoff requests need to be signed? Since when do they take more than 7 business days or even 10? 

Filing this complaint for the borrower XXXX XXXX. 

I attached the payoff request and the fax delivery confirmation.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to adequately protect my information in the event of a known vulnerability and breach. They did not adequately notify me of a problem. My data was compromised and is potentially available to criminals to use my credit information and personal data to harm me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (FHA mortgage) with Selene Finance LP (TN).
Issue: Loan servicing, payments, escrow account

Complaint: When checking my credit report, I found that XXXX said my mortgage account was closed when it was not. I filed a dispute and they corrected it, and now shows that account open, but now they have dropped my credit score XXXX points because of it. Even though I am paying it on time, and it was their mistake in the first place, I do n't understand why this adversely affected my score.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Consumer Loan (Vehicle loan) with HUNTINGTON NATIONAL BANK, THE (KY).
Issue: Taking out the loan or lease

Complaint: In XXXX 2014 I purchased a new XXXX from a local dealership in XXXX. My downpayment in cash was over 50 % of the total vehicle cost and the dealership financed the balance over 3 years with Huntington National Bank with whom I had never previously done business. My credit rating is very high and I provided proof of more-than-adequate private insurance coverage on the new vehicle. Since I wished to pay off the loan earlier than 3 years I would often send 2 or 3 payments in one check with the accompanying tear-off coupons from the book sent me by Huntington. The final coupon instructed me to call for a pay-off amount, which I did. Since the pay-off amount quoted was somewhat higher than I expected since I had paid off the loan 11 months early, I queried this. I stated that I had never been mailed any sort of statement by Huntington as to how my payments had been applied, how they arrived at the pay-off amount, etc. I was told that the pay-off quoted included a {$40.00} insurance premium for what turned out to be a forced insurance situation that would have covered Huntington had my insurance been cancelled during the life of the loan ( it had not and remains in full force and effect ) or if my car had been totaled ( and presumably Huntington would not get sufficient settlement to pay off the loan balance ) - the car has never been in an accident. I contended I should not be forced to pay this but paid 'under protest ' and then filed a complaint with the OCC , having first tried to resolve the issue over the phone with Huntington 's corporate office - to no avail. Filing the OCC complaint got me a brief phone call from the same corporate woman I had already spoken with previously and a follow-up letter enclosing certain copies - one of which purported to be the print-out of all the payments I had made through the 2 years 1 month. However, the print-out not only only covered the last 11 months of the loan ( the first 13 months were missing ) but it merely showed the monthly amount reflected on each coupon and the date each payment was due - not, as had actually happened, the actual amounts of the various checks I had sent to Huntington. I would be very glad to hear from all Huntington auto loan customers who have experienced the same issue as I always believe there is strength in numbers. Not only that but, quite by chance, a car salesman at the dealership where I had purchased the vehicle told me ( when I called to complain to them, too, about this matter ) that he had been charged at point of pay-off on his car loan and that he had complained and ultimately ( after 5 or 6 months ) Huntington had sent him a refund check in the mail for a little more than the amount he complained he had overpaid. Of course, it might be that since he worked for a car dealership that hawks Huntington auto loans, whereas I do not, that he got preferential treatment - I dont know.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My Bank of America account was hacked and frauded of {$9500.00}. Someone acquired my information and deposited checks into my account and then withdrew the money from my account and I was n't notified by my bank about any of this activity. My account was forcefully closed and I have a negative balance of {$9500.00} that the bank says I 'm liable for. I filed a claim and was told that I would receive papers to finalize my claim but instead they asked me questions over the phone and took my claim that way. My claim was denied within 24 hours and I have inquired about appealing my denied claim but no one will take my questions regarding that. I just want the debt resolved as I did n't write the checks or authorize any of the transactions that occurred.

Company public response: Company chooses not to provide a public response
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 Credit Karma, Inc. (OH).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: attempted to sign up for free score but was asked for a credit card which their commercial says they do not do.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit reporting () with ALLY FINANCIAL INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I filed disputes with all XXXX credit agencies XX/XX/XXXX, with Ally Financial that was reporting that I was past due XXXX, and I have missed several payments. This was deleted on my credit reports and was reinserted. Not only was I not notified but this lack of communication is key when I filed a complaint and requested an updated credit report as soon as possible.

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