milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (AR).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I recently was denied and FHA streamline loan, and was forced into a higher interest loan from Quicken loans and then not given the refinances loan because of the appraisal that I did not have to have .Even as my house appraised for more than the amount of the loan .I believe I am being discriminated against because of my color and the demographics of the community in which the house is located .I was told I was denied the loan because the loan officer made a mistake and tried to put me in the wrong type of loan, Yet I am still denied credit because of their mistake .It is obvious that race and demographics is the deciding factor in the case. This will cost me thousands of dollars over the life of the loan and is blatantly discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XXXX XXXX, XXXX, I called Navient to ask for a forbearance while I changed banking institutions and updated my income driven information. I spoke to a representative, who prompted me to change my repayment plan. He took my SS # and bank account number. Navient charged my account on the XXXX of XXXX, per usual, however, " they '' were supposed to charge me on the XXXX according to the new contract. I contacted Navient on XXXX XXXX as to why I was charged, the representative could not assist me. I asked for a supervisor and was on hold for XXXX minutes.I never spoke to the supervisor. I hung up so I could call my bank and cancel that payment. 

The next day ( XXXX/XXXX/XXXX ) after reviewing the contract I had e-signed, I saw an address on the contract. I looked up the address using google and the first hit that was shown was " Navient XXXX XXXX XXXX, XXXX. '' I called Navient once again and they said they were not affiliated with that company. 

I used google to get the Navient phone number when I was connected to " Navient XXXX XXXX Services. '' How is it that this third person company had information about my loans? The reason I trusted this company and fell for their trap was because they new what should have been private information. After calling the XXXX Navient, they disclosed that there is a database that exists that people can look up loan information. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (OH).
Issue: Making/receiving payments, sending money

Complaint: Lost one Receipt for $ XXXX purchased XXXX Cashier 's Checks by cash refused to be cashed with myself as remitter with receipts from PNC Bank . I like the money back. My name is XXXX XXXX Social Security Number XXXX at XXXX XXXX XXXX XXXX, Ohio XXXX XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I wrote letters to the the Collection Agency on XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, LAST ONE TO THE CREDIT BUREAUS XXXX AND XXXX XXXX ON XXXX XXXX, XXXX. 
PORTFOLIO RECOVERY WROTE ME ON XX/XX/XXXXStating that they got the information correct and the validation of the account in question is Correct BUT Correct to them, But not to me enclose you will find the big mess there is as far as dates are incorrect and inaccurate, open date of the account is wrong, the balance of the account is wrong, also it looks like the statement they sent me which is not correct it seems like they have put together the pages to coordinate one page with the other you will see in my details where I am pointing out the errors and discrepancies. 

since XXXX Portfolio Recovery did not answer me the letters I sent them to clarify all the inaccurate issues, it is over 30 days now. 
it seems to me that because this account was sold to a second party as soon as the other business entity get the account they update the information to make the 7 years that the account will remain in the credit bureaus is longer, there is no documented payments on this account since long ago the account was open in XXXX, just figure out it 's been 7 years already and still wants to punishing me to last this derogatory and negative item until XXXX IS NOT FAIR, WHEN YOU ARE NOT DOING BUSINESS FAIR, WHY WE CONSUMERS WE MUST PUT UP TO THIS KIND OF ABUSES.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian is reporting incorrect personal information that I need removed ASAP Incorrect Names   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Incorrect SSN  XXXX  Incorrect Address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Student loan (Private student loan) with Vermont Student Assistance Corporation (NH).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: I was going to school for XXXX and had private loans to help me pay for it through the company VSAC. The reason I chose VSAC is because I did not have a co-signer and they still allowed me to take out loans without a co-signer. During my third year I was undergoing XXXX XXXX issues and had an approved leave of absence for one semester by my school and I had told my private loan company ( VSAC ) and they did not object or hint at any issues with continuing my loans when I would return. When I was ready to return the following semester my private loan company refused to lend me a loan. They now said that I needed a co-signer. The original issue being that I did not have a co-signer, which is why I went with VSAC in the first place because I did n't need a co-signer when I took out private loans to go to school. It was during the prime recession and down fall of all private loans. My federal loans did not cover the cost of my schooling and I was unable to afford returning to school. VSAC was still expecting me to pay ridiculously high monthly payments without any degree that would have enabled a job remotely equivalent to the payments they were requesting. I struggled out of school with looming debts working jobs that did not require a degree and thus had lower pay. All the meanwhile VSAC aggressively tracked me and called me wanting payments for loans that they backed out on. It was frustrating, exhausting and demoralizing. They did n't see me as a person struggling to make ends meat without a degree that they originally singed up to help me achieve. They backed out, not me and they still wanted payment. It 's unreasonable. My loans eventually defaulted because I could n't keep up with their payment demands. They sent my loans to a collection company and the process has started all over again. Recently I was lucky enough to be able go to an affordable community college and have gotten an XXXX degree with the help of federal loans. I think it 's irresponsible for a private loan company to back out of funding someones college and still expect payment. Each year from the time of XX/XX/XXXX- XX/XX/XXXX I was able to take out private loans that ranged in amount of $ 20,000- {$30000.00}, this is without a co-signer. I have 4 loans from them with different interest each that still compile interest on top of what is owed. As of today my 4 loans are listed below with interest tacked on because that 's how the company shows me on their website. 1. {$20000.00} 2. {$27000.00} 3. {$32000.00} 4. {$20000.00} Totaling = {$100000.00}. Each month alone {$410.00} goes to just covering interest. Please help. There is no way that this is fair consumerism. Sincerely overburdened, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Credit card debt) with Atlantic Recovery Solutions LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: 1. Have contacted my children and brother for the said credit card debt 2. Have been harassing me through non-stop several phone calls multiple times a day 3.Lie about the amount I am owing 4. Threatened me with law suit.
I have asked them for the details of the said debt. This said debt is over five years old. I even offered to pay $ XXXX/month until the debt is retired.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: In receipt of today 's billing statement dated XXXX/XXXX/15 from Wells Fargo and reviewing the previous billing statement dated XXXX/XXXX/15. The total payment due for XXXX/XXXX/15 was {$2400.00}, my deposit on XXXX/XXXX/15 were, $ XXXX $ XXXX {$820.00}, totaling {$2400.00}. In the XXXX/XXXX/15 billing statement the unapplied amounts were {$810.00} and XXXX. In today 's billing statement I know have total unpaid payment of {$2400.00} and a total payment of {$3300.00}. According to Wells Fargo there is also {$540.00} in unapplied funds balance. In previous correspondence, this is exactly the frustration that I described when having to deal with the Executive Offices and in particular XXXX XXXX XXXX XXXX XXXX XXXX. Which you will see in the previous dispute letter, I requested to have another point of contact assigned to me, due to her lack of knowledge, unprofessionalism, passive aggressive behavior and her inability to control herself, as she constantly talks over the client. I have additionally sent out a direct email to the CEO of Wells Fargo, in hopes that this request will take place. Due to the nature of my work XXXX XXXX XXXX XXXX and my hours of operation ( XXXX-XXXX/Monday thru Saturday ), it was my request that I not be contacted in those time periods. Today I received a phone call from XXXX XXXX at XXXX after I specifically requested, that in those times not to be contacted. Due to the safety and security of the Railroad workers, with whom I protect. In true fashion of XXXX XXXX and the Wells Fargo Organization and the lack of disregard for Railroad Workers personal safety, she continues to pick up the phone and contact me. Thus showing her passive aggressive boldness and utter lack of respect. It baffles me that Wells Fargo can not show where my deposits were applied to my mortgage account. The only response from Wells Fargo is, " We 're working on it ''. I have my records to show deposits made and unapplied funds to my account, which sit collecting interest on a daily basis. I have requested all correspondence in writing, as I understand and can digest everything more clearly in that manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: I have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX BANK Acct # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I just received a letter from XXXX XXXX XXXX, XXXX that Nationstar Mortgage has asked them to foreclose on my house, XXXX XXXX, XXXX, VA XXXX. The date of foreclosure was not provided. Mean while I will respond to their letter and dispute their claim as Nationstar have not lived up to their expectation to modify my loan as required by HAMP Loan Modification Program. Attached is their letter received today, XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX we had a conventional 30 year fixed mortgage and a line of credit second on our primary residence with Bank of America. We own no other commercial or residential housing. The terms of the mortgage were that in XXXX XXXX both 1st and 2nd mortgages would convert to a 15 year fixed. Knowing that combining these two mortgages to a 15 year fixed and that at the time my husband ( the primary earner ) would be XXXX XXXX years old and looking at future retirement we asked B of A, starting in XXXX XXXX, to combine the 2 mortgages into a 30 year fixed in anticipation of lower monthly payments for retirement. B of A refused. My husband lost his job with XXXX XXXX in late XXXX forcing early retirement on us. By XXXX it was clear that on a fixed income we could not pay the higher monthly mortgage ( 15 year fixed ) and our credit/ tax obligations we had to declare chapt. XXXX bankruptcy on XXXX XXXX. On XXXX XXXX we filed for a loan modification program with B of A on XXXX. It is now XXXX ( a process that B of A said would take 2 weeks ) and their loan modification plan now has a HIGHER MONTHLY PAYMENT than the original 15 year fixed plan. This nothing but pure AGE discrimination from refusing our request in XXXX to the current loan modification plan. We submitted one of the cleanest applications possible ; no alimony, no child care, no other distracting variables. They only had to convert a 15 year fixed to a thirty year fixed and none of this would have happened. Since B of A has provided us with thirty year mortgages at least twice in the past the only difference from then ( our first mortgage with B of A was in XXXX ) and now is our AGE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have made several attempts to resolve several matters including incorrect addresses, inquiries added back to the report after being removed and the continued failure of Transunion to exclude an account from bankruptcy. I initiated disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXin which I asked the CRA to correct erroneous information regarding an account reported on my credit report. The account was paid and closed due to it being traded in for another vehicle two years prior to me filing bankruptcy and Transunion insists on including it in bankruptcy which was not filed until XX/XX/XXXX. The most recent results from the dispute issued on XX/XX/XXXX still show the account in bankruptcy when it should not be. The partial account number is XXXX**. Also, there is an address of XXXX XXXX XXXX XXXX AL XXXX reported that I have advised on each of the above dates to remove. They advised it was done on each occasion when it was not. Finally, a glitch in their system occurred in XX/XX/XXXX where inquiries were removed and placed back on the report without me being notified. I would like these inquires removed : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: EXPERIANXXXX XXXXSTATUS IS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: I have an account with USAA who is located in XXXX XXXX Texas. Duringg the last week, I had a situation whereas my bank account was frozen. I did have a chance in telephone number, address, and because I feel I made purchases the bank froze my account. I was made to make XXXX phone calls XXXX XXXX XXXX and identify myself twice. My second phone call was sent to the fraud division. The monies in this account contain my rent, food and money for bills. Today I made XXXX phone calls each time security was an issue. Yes I moved and have a new telephone number. This is my right, and for the bank to freeze my monies I felt this was suggesting that I was committing fraud.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Late reports need to be removed Accounts Ever Late 2 Also the enquiries need to be removed XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Account Type Installment Loan Date Opened XX/XX/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 09-09-2017 about Debt collection (Mortgage debt) with LoanCare, LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX also known as XXXX XXXX handled a mortgage which was discharged in Chapter XXXX in XXXX of XXXX. In XXXX of XXXX I filed a complaint ( XXXX ) with the Washington State Attorney General 's office because that information had been provided to the lender but they continued to making threatening calls to me about collections even when they had my full Bankruptcy information. On XX/XX/XXXX, I received an email from my credit monitoring service that a new credit inquiry was done and to check. I looked online and XXXX XXXX XXXX had run a hard inquiry against my XXXX. I had not heard of this organization and with the recent XXXX issues, I looked this company up. They are the same as LoanCare. I did not authorize them to pull my credit. I have not made any contact with this organization since my state complaint specifically was to check their business practices and stop contact with me which was not legal post Chapter XXXX. This company is now trying to impact my credit by running random hard inquiries against my credit which each time, is dropping my score a few numbers due to the inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, we had a flood in XXXX XXXX. Over 20,000 homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, XXXX decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust XXXX. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to XXXX in XX/XX/XXXX and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now XXXX is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of XXXX 's incompetence. Or are they just being vile? XXXX has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.

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