milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Managing the loan or lease

Complaint: I am an XXXX-year-old man who went to XXXX XXXX in XXXX, California to buy a used car. The salesman told me I did n't have good enough credit to buy a used car and said that I could get a loan for a new car. He arranged a loan with Westlake Finance for a loan with 22.19 % interest for the cost of the car plus a {$2500.00} extended warranty. My grandmother helped me realize what I would actually be paying for this car and took me to her credit union who bought out the loan and is charging me 2.44 % interest. On XXXX XXXX, 2016, I cancelled the extended warranty. XXXX XXXX told me the {$2500.00} would be sent to Westlake Finance within 60 days who would then forward the money to my credit union. After many visits to XXXX and phone calls to Westlake, I now have a copy of a cancelled check in the amount of {$2400.00} sent to Westlake by XXXX and endorsed and cashed by Westlake on XXXX XXXX, 2016. They deny all knowledge of it. XXXX says they have done their part and have washed their hands of the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CT).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I 've been struggling for years to repay my loans at 13 and 11 percent interest rates. I 'm 60k plus in debt. The customer service reps wo n't tell me what enitites hold my loans, and due to the exorbitant costs of my interest rates, I ca n't touch my principal. They offer scant info on refinancing and my credit suffers as I try to make ends meet. The best way I can describe Navient 's tactics is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Within the past couple of years I have had so many issues with the student loan service XXXX. It all began in XX/XX/XXXX. My family had already warned me that I needed to make sure that I filed for a deferment, forbearance, or set up a payment plan because the damage that student loans could do to your credit would be a life changing experience. I began begin contacted via mail in XX/XX/XXXX about my loan payments and I quickly went off the information needed for a deferment/forbearance and mailed it back to XXXX. I never received confirmation that I was approved or denied. The letters stopped and I did n't worry. In XX/XX/XXXXI received a letter informing me that XXXX was reporting me to the credit reporting bureaus because I had passed the 90-day late payment mark. I immediate had them to send the form and again and filed it out and faxed it while on the phone and asked why I had n't received any letters regarding the end of the deferment/forbearance. At the time I was informed by the phone representative that she did not have access to that information but with the forbearance the late-payments would be removed within a year. Since XX/XX/XXXX, I have been told that no such " forgiveness '' exists and I have been told that I was contacted in XX/XX/XXXX via email address that was provided by my school in XXXX. I asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just suck it up and deal with the damage toy credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my data, and now, due to extreme negligence on their part, that information and the information of 143,000,000 other people is available to whomever would want it. 

Further complicating this matter, Equifax knew about this breach well before notifying anyone. As this is the case, I do not know the date when this took place, and it may have  even occurred 3 months ago. 

Their website has determined that I am a victim of this breach, but they did not reach out to me, leaving me further vulnerable to this action.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: CFPB Case # XXXX regarding CareCredit ending XXXX did not see Care Credit Corporate response until after I submitted my dispute. I would like to add the following response to my file please. I have faxed CareCredit with the dispute today and also sent response to Corporate Consumer Relations XXXX XXXX XXXX. Again I am very disappointed as she did not return my calls after XXXX and I believe Care Credit has NOT been fair in their responses to me or verifying the XXXX claims for treatment that I did not authorize or receive. 
Thanks you Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Mortgage (FHA mortgage) with STONEGATE MORTGAGE CORPORATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Complaint # XXXX Questions : 1. When did XXXX XXXX first pull XXXX XXXX credit report? What was XXXX comments on her credit score? Did XXXX XXXX tell XXXX XXXX to inform XXXX that her credit is not good enough and there is a possibility that she might not get the interest rate she wants or worse she might not get a home loan? 
2. What was XXXX XXXX FICO score the first time XXXX XXXX ran her credit report? 
3. Did XXXX XXXX provide a copy of XXXX credit report to XXXX XXXX to give to XXXX? 
4. Did XXXX XXXX receive any relevant information regarding the townhouse in XXXX, California from XXXX XXXX? If so when? 
5. Did XXXX XXXX provide any loan and/or mortgage disclosures to XXXX XXXX to give to XXXX XXXX? If so, what are they? 
6. Can you ask Stonegate to get copies of XXXX and XXXX XXXX email communication relating to the home loan application of XXXX XXXX? 
7. Are there any disclosures that XXXX XXXX should have provided to my sister prior to writing the pre-approval letter? 
8. Can you ask Stonegate to provide a copy of their SOP in pre-approving a borrower in XX/XX/XXXX? 
9. Attached herewith is a copy of XXXX XXXX email to XXXX XXXX on XX/XX/XXXX. Can you confirm from XXXX XXXX if he wrote the attached information, emailed it to XXXX XXXX and asked XXXX XXXX to discuss it with XXXX XXXX? 
10. XXXX XXXX convinced my other sister XXXX XXXX XXXX XXXX XXXX and her husband to apply for a home loan through with Stonegate Mortgage as well. XXXX XXXX and her husbands pre-approval letter is dated XX/XX/XXXX. XXXX XXXX and her husband submitted their financial documentation to Stonegate weeks after XXXX provided hers to XXXX XXXX. But XXXX pre-approval letter has a date of XX/XX/XXXX. Thats a week later than XXXX XXXX pre-approval letter. I also noticed that the font used in XXXX pre-approval is different from XXXX. This makes me suspect that XXXX XXXX forged XXXX pre-approva letter. XXXX told the truth when he spoke with XXXX XXXX around the last week of XX/XX/XXXX. XXXX said I never gave you a pre-approval letter. But he changed his statement after XXXX asked him for a written statement. Why is XXXX protecting XXXX XXXX? Did he receive money from XXXX XXXX? Did XXXX XXXX bribe XXXX? Did XXXX go along with XXXX XXXX dishonest plan because of fear that XXXX XXXX will not refer XXXX XXXX XXXX XXXX and her husband for a home loan application? 
11. XXXX XXXX told XXXX that her loan was not approved. Where is the letter from Stonegate dated XX/XX/XXXX that says XXXX credit is so poor that her loan was not approved?

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 01-02-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage payment due to lose of employment and was unable to catch up with late payments and I have attempted to get help from mortgage company but my loan switched banks several times and have n't been able to get the assistance in was hoping to get, now am employed full time and able to continue with my mortgage payment and keep my apartment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Mortgage (VA mortgage) with PHH Mortgage Services Corporation (FL).
Issue: Loan modification,collection,foreclosure

Complaint: VIOLATION OF FCRA. The mortgage company PHH mortgage is incorrectly reporting our last payment date for an account that is in foreclosure. We last paid our mortgage in XXXX XXXX and have been in foreclosure since XXXX XXXX. Recently we disputed the last payment date of XXXX XXXX and the creditor reported to XXXX that this date was correct when it IS NOT CORRECT AT ALL. It has been in litigation since XXXX and we HAVE NOT PAID NOR HAVE WE PROMISED TO PAY.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (I do not know) with Weinberg Mediation Group LLC (AZ).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Weinberg mediation group continues to call me even after sending them a letter asking for a validation debt letter. I also sent them a Cease and Desist letter. 

Weinberg Mediation Group XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit card () with DISCOVER BANK (CA).
Issue: Cash advance fee

Complaint: I was charged multiple cash advance fees given a peculiar situation in while traveling in XXXX I had to withdraw money from ATM using the Discover card but the XXXX government banned all ATM and only allowed for a person to take out only XXXX which equals roughly around {$30.00} dollars. Given the circumstances I made multiple ATM withdrawals on the same day to have the ability to survive. Discover charged me {$5.00} per every {$30.00} I was only allow to withdraw and refuse to waive the multiple fees since it was an unavoidable issue. Total of {$75.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit card () with U.S. BANCORP (IL).
Issue: Rewards

Complaint: US BANK has sever offer online, but I opened credit card with them, I finish the requirement but they did not give me back the bonus. 
Now there are XXXX accounts has offer I should get but I did not, it is all like spending XXXX in 3 month and get XXXX back. check on there website page online XXXX ). and page ( XXXX ). I 've chatted with customer service phone team, they did submit request for it, but they told me they need the fine print? It is absolutely public and everybody could access to that link and see the offer at the first place. 
{$100.00} New Cardmember Bonus after you apply online and spend {$500.00} in the first 90 days of account opening. 
And the marketing team give me back a saying that I should get XXXX rewards, but that is actually regarding to the checking offer. My summer checking offer package. Code is XXXX. After I mentioned that, they do not reply me as they do not have other excuse, yet they deny the deal and offer they should give to me. 
They obviously listed everything online loud and clear, I feel frustrated about their decision.

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 02/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This XXXX is for TransUnion. I filed a Chapter XXXX that was discharged in 2009 that shows in the public records area. The incorrect part is that there XXXX mortgage companies showing XXXX balance in the collections part. They are impacting my credit score on both XXXX and TransUnion. Those accounts are not allowed to go to collections. They should NOT be there. They are reported correctly on XXXX report. They were never delinquent prior to the filing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage held by M & T Bank XXXX XXXX, N.Y. The loan is FHA. I 've been making payments for 5 years - not a single late payment. Due to an increase in home values in California over the last five years, my LTV is now much less than the 76 % threshold needed to cancel private mortgage insurance. M & T says it wo n't accept an appraisal to verify the current home value and therefore wo n't cancel PMI until the outstanding loan reaches the 76 % ratio solely through principal reductions to the original loan balance This is absurd, given that I could refinance ( but do n't want to ) and a new loan would be based on the home 's appraised value. This practice seems patently unfair. If however, this is law, as they state, then the law needs changing.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Other debt) with ERC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I got a phone call from XXXX requested some payments from me about a debt I was not aware of. When I asked a copy of the invoice they never sent it to me. Therefore, I feel unsafe to share any information with them, even though they have been pressing me to verify my social security number, to such request I declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On two separate occasions Bank of America has tried calling to collect a Credit Card Payment for an individual that is known to my mother and I but we are not listed on this individuals Credit Card for any reason and on numbers they should not have access to. The first attempt to collect was made by cell phone to my number on Tuesday, XXXX XXXX, XXXX about XXXX XXXX and I told Bank of America that I had nothing to do what this individuals credit card account and to not contact me any further. Then on Tuesday, XXXX XXXX, XXXX Bank of America called my mother asking about this individual again and my mother who is a Senior told them nothing and hung up. Bank of America then called back later that day and left a message that they were calling from XXXX XXXX XXXX for the individual and left a name and phone number for them to be reached at. I called Bank of America Thursday, XXXX XXXX, XXXX at the number they left on my mothers answering machine and told them that my mother does not have any financial responsibility or ties to this individual and should not be harassed about this individuals credit card and why are they calling her number and how did they get her number as again she has no financial ties to this individual. I gave the Bank of America phone representative my mothers number after she asked me to look up the call in question and when she did she stated that she would remove the number from this individuals account as I told her what was being done was illegal and harassment and that they would be reported for doing so.

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 01/27/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Commonwealth financial is trying to collect a debt that is under another persons name and assign it to me. They refuse to remove from credit bureau. The person has a similar name. 

They refused to verify by some means or send a copy of the bill for my review. They can not do this is is illegal. They have to confirm debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: Around XXXX/XXXX/XXXX I received an unsolicited call from XXXX XXXX, ( of Quicken Loans ) wanting to discuss refinancing my loan. He asked for permission to run my credit report I DID NOT GIVE HIM PERMISSION. I later found out that he ran it anyway. I filed a complaint with the company and wound up speaking to XXXX XXXX. He admitted that I did not give him permission, his defense was I did not tell to not do it. IT IS ALSO IMPORTANT TO KNOW THAT QUICKEN LOANS REFUSES TO GIVE ME A COPY OF THIS RECORDED CONVERSATION. I think it is obvious that the only reason they would n't provide a copy is that it would prove they lied. In an attempt to make this go away, I offered to not file a complaint if Quicken would refinance my loan with no cost to me. ( I had paid Quicken over {$5000.00} in closing cost on this loan in XXXX XXXX. On XXXX/XXXX/XXXX Quicken made an offer to refinance for {$7300.00} in closing costs which completely ignores my request. I started working with XXXX ( XXXX ) XXXX. She has demonstrated she has no desire to right this wrong. She told me to work with XXXX XXXX. He called and left a voice mail message, promising to call me the next day. HE DID NOT CALL AS PROMISED. When I complained to XXXX XXXX about the broken promise she had XXXX XXXX finally call me. After offering to PAY DOWN THE LOAN BEFORE REFINANCING ( remember they have the loan ) his offer was one with {$11000.00} OF CLOSING COST. 
I CAN BE REACHED AT XXXX. 
This is a serious complaint and I hope you will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Residential Credit Solutions, Inc. (IN).
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: RCS FAILED  TO REPORT TO   XXXX   AS PROMISED IN FACT ACT )

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: The servicer of my loan is unable to process payments and update my account as expected. This is a result of the company providing me with an escrow analysis that gives me 2 options when the account is in shortage. I can either pay the amount of 12 months or pay the shortage in full. I chose to pay the shortage in full. I provided payment well before the due date and the amounts applied to the account were incorrectly applied at first. The company resolved the issue and sent out an updated statement. In the following period, I received a statement that was incorrect, I subsequently found out that the statement was incorrect due to the subsequent period which is now current having the applied funds being incorrectly applied. 

In effect, period 65 stated options A and B. I chose B. Payment applied incorrectly, then corrected and new statement received. Period 66, incorrectly received statement for A, but payment was applied correctly for B. Period 67, incorrectly received statement for A, payment applied for A which is wrong. Future period 68, shows statement for A incorrectly. 

Mortgage Billing Statements Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong for period XXXX Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong, XXXX Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong, 67 Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Right, 66 Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong, 66 Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Prior updated payment, period XXXX I submitted the current payment from my account on XXXX/XXXX/XXXX that WFM received on XXXX for the XXXX due date. When reviewing my account status online, I expect it to show correctly. As of today, the amounts shown are incorrect and the dates applied are incorrect, " Last payment received on XXXX/XXXX/XXXX ". When I receive payment confirmation emails, I review my account. I received confirmation on XXXX that applied funds had been corrected but found that my payment had not been applied correctly. 

In summary, the servicer of my account is failing to provide accurate service. For a bank I find this alarming and would expect that the application of my payment be precise as well as the billing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Payday loan () with Harpeth Financial Services, LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: I recently missed a lot of work over the past 4 months due to XXXX and other Medical issues. 
At the time I missed I had no PTO ( Paid Time Off ) and could not get FMLA approved. 
So I felt as if the only thing to do is take out XXXX payday loans with XXXX different Institutions. 
Due to the fact that I am in a Chapter XXXX, with only 7 Months to go things could go really bad for me. 
I could be evicted if my rent is not paid and at XXXX become homeless for I have no family or friends that can help me. 
The first was Advanvced Financial for {$1600.00}. 
They charge % 279.50 APR. My payments are XXXX per paycheck ( bi-weekly ). 
The second was with XXXX ( XXXX XXXX XXXX ) This place charges % 519.22 APR. There was also a finance charge of {$860.00}. 
The loan was for {$1200.00} the payoff is {$5000.00}. 
They will be taking {$250.00} out of every check ( bi-weekly ). 
With my current rent, utilities, gas, groceries, Insurance ext .... 
There is no way that I will be able to make the money to pay what they are asking. 
I have a meeting tomorrow XXXX/XXXX/2016 at XXXX with my Chapter XXXX Attorneys. 
If they can not help me I do not know what I will do. 
If there is any way that you can help I would greatly appreciate it. 

Thank You, XXXX XXXX

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