milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: I applied to refinance my mortgage online with Quicken, explained via a chat session that I wanted the lowest rate available without paying loan origination fees or points. The originator XXXX XXXX confirmed that he understood and quoted a 30 year fixed rate on my loan request of 4.05 %. Then a little later after I deposited {$500.00} with the company for the appraisal fee, I got the Loan Estimate ( LE ) which had a loan origination fee of {$3300.00} ( 1.25 % ) and a {$790.00} processing fee. On the credits side of the LE, there was a {$2000.00} lender credit to absorb some of that fee, but in my opinion {$1300.00} in origination charges was {$1300.00} more than was explained to me initially. That 's a large difference. 
I brought this to my loan originators ( LO ) XXXX XXXX and was unable to come to an acceptable resolution as he said that the highest rate he could charge me was 4. % and the lender credits would be larger absorbing fee. I did n't want my rate to increase that much, as that would have a material impact to the affordability of the loan and I felt that I had been intentionally mislead. I was then referred to a client resolution expert. He was able to help somewhat and increased the lender credit to {$3000.00} which did a better job at offsetting the {$3300.00}. Ultimately, I paid 4.125 % because that provided a large enough lender credit to make the loan affordable for me. 
During the process Quicken send me XXXX different LE 's without an actual change in circumstance or condition or request by me. I would get notice that there was a new LE. The fees or rate were always higher. I would then bring that to their attention to which Quicken 's reply was " whoops, that was a mistake '' I think that Quicken systematically uses bait and switch tactics to mislead and deceive consumers into doing business with them. I feel that they would have taken more advantage of me if I was n't as diligent to review every LE that was sent. 
Also outside of deception, the processing time was almost 60 days, and the morning of closing they canceled the transaction on accident. When I called to get it resolved the closing specialist said " oh, that happens all the time '' After my recision they wired the funds to the settlement agent so late in the day that they could not send out the wires on the same day. Thankfully there was not additional charges to me for that. 
Overall it was a very frustrating experience filled with deception and rudeness from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: my credit card account is not being updated properly. what happens is every time that I make a purchase the purchase amount is noted as a pending transaction but the balance usually reflects the purchase amount before it actual post to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 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: On  XXXX   XXXX , I disputed unauthorized credit inquires on my report to the  XXXX  bureaus. They responded that they do not handle inquiry disputes and I have to contact the companies directly. I contacted the companies on  XXXX   XXXX ,  2017  and they sent letters back saying that I had to dispute the inquiries with the bureaus because it was on their report.     I did not make these inquiries and the companies and the bureaus are sending me in circles. I have spent over {$100.00} sending certified letters to the bureaus and companies and they are not researching the inquiries or trying to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have XXXXaccounts on both trans and XXXX that were desputed and were suppose to be deleted but they are still on there also I have had a XXXX XXXX credit card for five months made XXXX ontime payments and that 's not on my credit report

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 07/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I tried to obtain credit from XXXX XXXX. They informed me that my correct and current phone # is reflecting on my credit report. Since I have a fraud alert I was unable to obtain credit and had a hard inquire effecting my credit score. I have contacting the Equifax on numerous occasions since XXXX 2016 informing them of the situation and they assured me that this issue will be resolved and my correct personal information will reflect on my credit report. This has not take place!

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Struggling to pay mortgage

Complaint: I am a victim of fraud and misrepresentation by my mortgage lender Wells Fargo. I have a FHA loan insured by HUD and due to a switch in employers and payment frequency I went through a temporary financial hardship and missed some mortgage payments. A couple of months later when I was in a stable position I contacted Wells Fargo to address the late payments and they told me since I had an FHA loan that there were several assistance programs. I was told I needed to apply for a modification, and XXXX XXXX was our designated contact at XXXX EXT XXXX. After supplying all of our paperwork we received modification paperwork in the mail and a notary came over for us to sign this. However, there were no terms, no payment amount and no statement telling when and where to make the mortgage payment in the Wells Fargo paperwork. We called Wells Fargo on several occasions and XXXX XXXX said she would look into it. She finally told us that our payment was {$1900.00} but that since the terms were not in the modification paperwork that we should not make a payment while Wells Fargo gets things straightened out. 

A couple of weeks later we called XXXX XXXX again to get more information. Once again she told us NOT to pay and to wait 30 more days so she could get this straightened out. After we did not make the second modification payment the collections department at Wells Fargo began calling us and telling us we were delinquent and that we were supposed to be making payments over the last couple of months. They told us they would not accept a single payment, only the full past due amount with late fees and Attorney fees. Now XXXX XXXX is apologizing over and over and saying let me get this straightened out ... ... ... ... ..but she never did. Soon we were in foreclosure and Wells Fargo set a foreclosure sale date. 

We are either victims of fraud and misrepresentation or utter incompetence on the part of Wells Fargo. Based on the fake bank account scandal and the investigations by Congress into the behavior and culture at Wells Fargo I admit I am not surprised. However, we are still in a difficult situation because of this. Wells Fargo appears to be willing to rip off HUD as well as my family, they want to lie and make misrepresentations so they can cash in the insurance instead of following the rules. Please look into this matter, all of our conversations with XXXX XXXX were recorded, we are telling the truth and Wells Fargo needs to be held accountable. We were approved, we had the means to pay, we wanted to pay and Wells Fargo told us not to because of errors on our paperwork. When we followed their advice we were put into foreclosure and they set a sale date and refused to accept any type of payment from us except the full past due amount.

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 02/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a letter of a debt collection. The debt collection is from a company I never personally had a contract or business with. It must have been a identity theft that I 'm not aware. I will take the necessary steps with my local law if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I called the automated phone system of Franklin American Mortgage to make my mortgage payment of {$1500.00}. The system verified that I was make a payment of {$1500.00} and asked me to verbally confirm by saying " yes ''. After which it said I had authorized a payment of {$2200.00}. With noo indication there was a way to stop it. I did call to get it stopped and found out the difference was from a recent Escrow shortage, but the phone system never told me any of this and I feel it was an attempted bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Deposits and withdrawals

Complaint: Bank of America Merchant Services applied a {$20.00} charge to my account for XXXX, a service I did not request nor desire. When I inquired, I was told that it was " opt out, '' and I was given a phone number to call. The charge made my account overdraft. I believe that applying a fee without " opt in '' permission should have been illegal. I was told on XXXX/XXXX/16 that I received a notification about the impending charge, and that I should have responded to the notification. To me, that 's bogus. I believe Bank of America is defrauding customers. All such unrequested charges should be " opt in. '' Customers should not have to read the fine print of every notification to avoid having a bank XXXX money out of their accounts. Since I did not formally allow such a debit -- which would have been monthly -- this was an unauthorized withdrawal.

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 02/16/2018 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XX/XX/XXXX Notice of Chapter XXXX Bankruptcy Case, Meeting of Creditor, & Deadlines filed. ( Notice attached ) XX/XX/XXXX Notice of Appearance with request for copies of all orders, notices and pleadings under bankruptcy rules 2002 ( g ) and 9010 ( b ) filed by Ocwen Loan Servicing, LLC as servicer for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( Notice attached ) XX/XX/XXXX Final  bankruptcy Decree received that included referenced mortgage property. ( Letter attached. ) XXXXXX/XX/XXXX Received letter from Ocwen Loan Servicing, LLC stating the following : " This letter was sent to acknowledge that we are in receipt of your request regarding the REO inquiry through correspondence received from XXXX XXXX. '' -I did not make this request and sent a certified letter, with return receipt, stating the property had been surrendered in a chapter XXXX bankruptcy with all of the applicable filing information. ( Letter attached. ) XX/XX/XXXX Received NOTICE OF OWNERSHIP CHANGE from Ocwen Loan Servicing, LLC stating that the mortgage account had been transferred. ( Notice attached ) XX/XX/XXXX-XX/XX/XXXX Several invitations to pay and miscellaneous notices from " XXXX XXXX '' received . 

XX/XX/XXXX Debt validation notice received from XXXX XXXX XXXX. 
-XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and ALL of its servicers are well aware that this property was discharged in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX my student loans were consolidated into FFEL Consolidation loans by  XXXX, which later changed to Navient. I first learned about the Public Service Loan Forgiveness program around XX/XX/XXXX. When I contacted Navient to inquire about this program. I was advised that it was not necessary to refinance my loans. 

I recently submitted my application for the PSLF program and was informed that my FFEL loans are not eligible after all and the 10+ years of payments I have made to Navient do not count towards my loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with American Credit Acceptance, LLC (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do not recognize this inquiry, and have submitted over and over for proof that I indeed consented to this inquiry. Not once, has anyone taken into consideration what I am saying and have verified indeed that this is wrongfully reported onto my consumer report. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I pa id one of m y debts listed in my credit report by  XXXX   XXXX   XXXX  who is representing  XXXX   XXXX   XXXX  in the settlement amount of {$130.00} on  XX/XX/2017    which would close this account. I had received a letter from   XXXX    listing options to settle and I chose settling in this amount. It is still listed on my TransUnion and  XXXX  credit reports showing I owe a balance of {$130.00}.  XXXX  has a phone number on correspondence mailed to me but I 'm unable to speak to a live representative to settle this matter on my own. Also note that after sending my payment electronically I did n't receive confirmation of any kind nor further correspondence from this company. Your assistance is greatly appreciated to settle this matter with these companies. Thank you.

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 08/26/2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Other

Complaint: Pusuant to 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Synchrony Bank! Synchrony Bank did not provide the documentation as outlined in 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section Synchrony Bank did not honor my dispute! They just sent correspondence saying the account was sold to XXXX XXXX XXXX which is a direct violation of the FCRA! 

( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

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 06/21/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: Chase Bank ignored me when I contacted them by phone approximately two weeks after the charges [ appeared ]. Chase promised me that they would refund the money to my account. Because I got sick I was unable to verify or confirm if they had done what they said they were going to do. I trusted their word, but unfortunately they never refunded the money. After some time had passed I called them again, but they ignored me. My XXXX is not very good, but I do understand and they treated me with discrimination. After some time I called them again. Then they sent me a letter saying that the dispute was outside the time frame even though I explained to them that I WAS NOT PLACING A NEW DISPUTE ; I WAS CALLING TO HAVE THEM FIX THEIR MISTAKE. APPARENTLY they purposely, maliciously and conveniently continued to ignore me since the beginning to invalidate my rights as a consumer. I am closing the account but before I do I need them to honor their word and do as they said. They should not mock me in that manner just because I am a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Vehicle loan or lease (Loan) with Coastal Credit, LLC (HI).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I financed a XXXX XXXX with Coastall Credit LLC in XX/XX/XXXX. I got out of the military on XX/XX/XXXX on an XXXX XXXX XXXX quickly and unexpectedly. I made the XX/XX/XXXX payment. For XX/XX/XXXX, I informed the company that my va XXXX from the military would be later than usual due to the circumstances. The lady told me that it would n't be an issue. I got notified that I would receive my money XX/XX/XXXX. I informed the lady at the company that it would be in on XX/XX/XXXX. On the morning of XX/XX/XXXX at XXXX, a repo company, came and repossessed the vehicle. When I called the company, the lady told me that I violated my contract with coastal credit by getting out of the military and that 's why she was repossessing the vehicle. None if the paperwork I signed said that I had to be in the military to keep the car loan. The car was sold at an auction and the remaining balance placed on my credit report. I have filed multiple disputes and the company continues to hold the account on my credit. Recently as of XX/XX/XXXX. Coastal credit union changed the amount owed from XXXX roughly to 13,000+. The car was unfairly repossessed. And the balance is remaining on my credit report destroying all possibility of getting a, new car. On top of all that, the company continues to sporadically conduct inquiries to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it may concern, I am filing a complaint. I am not sure if I am doing this correctly.. the company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX The Complaint is : this lender has placed this loan on my credit report twice, we have called them more than once to have this issue fixed. The last call was todayXX/XX/XXXX I spoke with XXXX, and he yelled at me, and would not address the issue. I told him the situation, and he hung up on me. Below you will see how it appears on my credit report. Two different accounts, same everything. I would really appreciate your help. I purchased a vehicle from a car dealer, the car turned out to be a lemon and broke down within 1-2 weeks, we were promised repairs or exchange of vehicle. Never happened. We contacted XXXX XXXX, XXXX to inform them we would be turning in the vehicle and not paying the loan. XXXX XXXX told us this would be placed on our credit as " voluntary repossession '' which never happened. XXXX Closed ACCOUNT DETAILS Account Name XXXX XXXX XXXX Account # XXXX Account Status Closed Last UpdatedXX/XX/XXXXAccount Type Auto Loan Date Opened XX/XX/XXXXBalance {$4700.00} Original Balance {$5500.00} Past Due Amount {$4700.00} Payment Status Charge-off -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX Closed ACCOUNT DETAILS Account Name XXXX XXXX XXXX Account # XXXX Account Status Closed Last UpdatedXX/XX/XXXXAccount Type Auto Loan Date Opened XX/XX/XXXXBalance {$4700.00} Original Balance {$5500.00} Past Due Amount {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I would like to submit a complaint reference to Navient student loan lender ( Navient Solutions XXXX Inc ) - After XXXX plus years of repaying the loan, I feel I have been deceived by the financial institutions with excessive interest and fees. The loan balance continues to rise at an alarming rate.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Medical) with Transcontinental Credit & Collection Corp (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent XXXX debt validation letters to this collection agency. They have ignored all of my requests for validation. I do not owe this debt and they continue to pursue me for it.

Company response to consumer: Closed with explanation