milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Credit decision / Underwriting

Complaint: My wife and I recently closed on a mortgage loan that was approved by, and will be sold to Wells Fargo. The property address is XXXX, in XXXX was originally pre-approved by Wells ( XXXX office ) for an {$800000.00} loan on an single family residence, without considering my wife 's income. However, my broker determined that we would not meet Wells Fargo 's DTI requirements for the mortgage we needed of {$630000.00}. WIth the HOA, the monthly payments were slightly less than the payments on the {$800000.00} loan that we were pre-approved. We were confused how we had been pre-approved. So we applied jointly, and our DTI was well below any applicable DTI thresholds. ( Despite the amount being within XXXX limits, this would be a non-conforming loan because of my alimony situation. ) However, my wife ( XXXX ) is not going to make the move from XXXX to XXXX until several months after me ; she would visit on some weekends. Based on this information, our broker was told that Wells Fargo was going to deny us our mortgage application, simply because we were going to live apart for a few months, until she was going to be able to get her XXXX medical license and a position in XXXX. Finally, when our underwriter was able to get some limited information from Wells underwriting, he was told that it could n't be approved because it would be a first residence for me, and a second residence for her, and Wells does n't have a box to fit that combination in. 

Finally, we were offered a mortgage if we treated the property as an investment property. We agreed, because, otherwise it put our purchase and initial escrow down payment in jeopardy. Of course, this had implications, such as the need to put down 40 %, instead of 30 %, and increasing the interest rate by over XXXX basis points. 

Finally, when I was signing the papers for the close of escrow, I was effectively forced to lie ; I signed the form that stated that we were purchasing the property as an investment property, and would not occupy the residence, despite the fact that I am moving into the home within a month of closing. 

Although our original pre-approval came from Wells Fargo, our dealings were direct with a broker, XXXX/XXXX. However, due to my alimony situation, they were only dealing with Wells Fargo, as they had a non-conforming loan that met our needs.

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: The company allowed someone to add my husband onto their credit card account as an authorized user without his knowledge or consent. We have no idea who the account holder is or how this happened. It is preventing us from moving forward on our mortgage loan. I spoke with the office of the president at  XXXX    XXXX   and they provided me with a letter stating that I have been removed from the account. However the credit reporting is still on my credit report and they are unwilling to electronically correct this error and remove the account entirely from my credit report until the normal reporting date of the  XXXX . THIS IS PREVENTING  US FR OM APPLYING FOR A MORTGAGE AND IT NEEDS TO BE REMOVED IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've submitted several certified letters to all  XXXX  credit Bureaus about inquiries that I was unaware of listed on my Credit Report as of today I still have n't gotten a response. This situation is affecting my process of purchasing a home. Please instruct me on what I should do next. I 'm looking forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Settlement process and costs

Complaint: I just spoke with your department handling the Greentree LLC disbursements. They said I was never reported by Greentree as having a serviced account with them. They serviced my first and second on my residence. The second from XX/XX/XXXX thru XX/XX/XXXX, the first was sold to them on or about XX/XX/XXXX-XX/XX/XXXX. I filled several complaints with your organization about Greentree, indicating the abuse and theft I went through with them. I do n't understand how there is no record of my servicing through Greentree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Made several calls to XXXX customer service about not being able to return equipment. Equipment was returned and Collections Dept. said it would be removed. Debt had been removed from credit and collection agency and now has been re-reported in XXXX through Diversified Consultants INC even though XXXX removed it a second time. Spoke with billing again and agent XXXX said equipment was received and would escalate. This is the third time this statement is made. They have received the equipment and refuse to remove this. Agent provided Serial Number to verify equipment was received. # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was called while I was working as XXXX and harassed as well as threatened while I was XXXX. i advised the collections agency that i would call back and he asked question after question and making statements that he would place my account on status with the XXXX credit bureaus. i advised him that they were a third party agency and that i have not signed agreed or entered into a contract with them. he asked for information and i gave it to him in an effort to verify no affiliation with the company. the company stated that i agreed to some form of agreement which i continuously advised them not to contact me and that i do not have any verbal or written agreement with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I had a name change in  XXXX    XXXX   along with the name associated with my social security number. I recently applied for a loan for a used vehicle and was told I have  XXXX  credit despite 3 years of unmissed payments on my previous car. Apparently, my credit history from my former name was not transferred forward with the updated name. I need this changed 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 non-monetary relief
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Perfection Collection (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX - First time I used XXXX XXXX, I wanted to check my credit score. Everything on my report looks great but I noticed by credit score was down from a year ago. Which I had no idea how? I have never missed any payment and I'm very financially sound. 

XXXX XXXX stated on my report that a company called XXXX XXXX XXXX had an outstanding balance for {$1000.00}. 

I have never heard of XXXX XXXX XXXX. No one notified me that i had any debt, but they are able to take a hit on my credit score? I  called this company and they stated they bought my debt from a security company called XXXX. We ended our contract with XXXX in XXXX. This one man shop is a total scam. Extremely rude.. How is this legal? 

I have no idea how it is fair or accurate to report this on my account 3 years later with zero notification and zero justification. We still have our letter from XXXX  canceling our account because we moved from that location and were not taking the services with us. We also filed a report on BBB for false practices. 

in XXXX we sent another letter to XXXX of cancelation as the new homeowner received threatening calls. 

This collection agency is based in Utah where XXXX  is based out of. 

There are thousand of bad reviews and false practices on this company. Several states have went into litigation with XXXX. 

I am filling a complaint on XXXX  and XXXX XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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 or around XXXX17 I noticed a account from XXXX XXXX XXXX # XXXX, # XXXX, TXXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, I do not recognize this account as being mines. I have no contract information or any paperwork for my review. I believe these accounts are in error please delete.FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY please follow up in writing the This is the second time I have filed a complaint over this issue.

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 06-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (NC).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: This company does not disclose to a consumer in their statements regarding special interest rate expiration nor does it show how much fees/penalties/interest will be assessed at the end of that special interest period. There is not indication on the statement of any interest to be charged in the event the full amount is not paid back before a certain date. This needs to be included on all statements.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. These changes are part of the National Consumer Assistance Plan. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and must be deleted from 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 09/28/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Credit decision / Underwriting

Complaint: I'am complaint about Green Tree Servicing LLC out of XXXX, AZ XXXX add a bad report of XXXX onto my credit report also why I have not receiving a offer before Green Tree placed this on my credit report. This has cause harm to my credit in a unfair way of conducting business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: I 'm a Rushcard member and my direct deposit was never issued to me. When using mu card it declines all transactions! I 've had to borrow money in order to feed my family and pay bills!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2016 about Consumer Loan (Vehicle loan) with Andreu, Palma & Andreu, PL (FL).
Issue: Problems when you are unable to pay

Complaint: In or about XXXX, my husband purchased a used car from a used car dealership. I co-signed with him for the loan. We separated in XXXX. Evidently in XXXX he stopped making payments. He died in XXXX. The finance company sued me but I was never served with process and did not know about the suit until XXXX XXXX when my salary was garnished. According to court records the total garnishment should be about {$4400.00} ( including interest ). The attorneys (? ) for the debt are still taking money from my salary and say that I owe them another {$1300.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I bankruptcy was dismissed in XXXX 2010. Would like for this to be removed from my Credit Report. I have been trying to rebuild my credit for the last XXXX years and this is impacting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Suntrust Mortgage : *Forclosed on me while i was XXXX*Denied me for XXXX but the said i was covered a couple years later but never fixed my % *Missing Payments*Did not change XXXX, XXXX, XXXX interest rate to 6 % from 6.875 % on my first mortgage*Did not change my XXXX interest rate from 13 % to 6 % since my XXXX was paid off i deserve the money back*In XXXX was foreclosed on ( THEY LOST A FEDERAL LAWSUIT IN XXXX OF XXXX FOR WRONGFUL FORECLOSURE PRACTICES FROM XXXX TO XXXX ) XXXX XXXX mortgage was paid off and $ XXXX put into an escrow account but when they foreclosed i was never paid this. so they have had my money for 8 years*I want my XXXX mortgage Re-evaluated and the payments re-applied. i show i only owe $ XXXX*When foreclosed i payed {$15000.00} to reinstate no attorney fees should be applied to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Other debt) with Credence Resource Management, LLC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have been receiving repeated calls from this company called Credence Resource Management regarding a personal matter which they will not disclose. They only wanted me to confirm my personal information to them, which I believe will and can be used for fraud or identity theft.  Since Credence Resource Management called me on a local telephone number, I was under the impression that it was an important call and had to pick up. While picking up several of the calls made by Credence Resource Management on my phone, it had put me at risk of getting into a car accident. Their tactics of using a local number is deceiving and their communication to me is very likely to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit card () with U.S. BANCORP (CA).
Issue: Delinquent account

Complaint: I applied for the US Bank Hardship Program and was told by Customer Service not to make payment until my new interest rate and minimum payment were finalized. Once the new terms were set up in XXXX 2015, I was told to make payment XXXX 2015. US Bank is now reporting me to the credit bureau 's as 30 days late. I have spoke to multiple customer service agents who tell me " By law US Bank can not remove negative information such as late payments '', which I know is false. I have filed disputes with the credit bureau 's as well as CFPB. US Bank responded with a letter stating additional false information. They stated that I told them I prioritize my payments and would not be able to make payment until the following month. That information is incorrect as all of my accounts and payments are a priority and I have never made a late payment on any of my accounts. That clearly can be seen on all three credit bureau reports. US Bank also stated that the representative that I spoke to who set up the new terms did not tell me to wait and not make payment. That information is also false. The representative who finalized the new terms was not the same person who told me to not make payment. In a previous conversation with a different customer service agent, I was told to not make payment until my new terms were set up. 

I have been a loyal customer with US Bank for over 10 years and do n't understand why I am the one being punished for being provided with wrong information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Conventional fixed mortgage) with NEW YORK COMMUNITY BANK (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My wife lost her job about 5 years ago now. We currently find ourselves trying to re-negotiate our loan, but because New York Community Bank issued this mortgage through XXXX which has very strict guidelines which prohibit us from reducing our loan payments via modification.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Billing disputes

Complaint: JPM Chase dispute process is overly cumbersome. I filed a dispute on a double billing from a merchant. Chase received incorrect information from the merchant and closed the dispute. Chase would not take verbal information over the phone to reopen the dispute. They required that I submit the request in writing and provide to a Chase branch. After doing this, two weeks later was told that the request to reopen the dispute is sent to a " senior dispute team '' and I am unable to call them directly. I have no way of speaking with this special dispute team until they decide it is appropriate to contact me. Meanwhile, the disputed charge was put back on my account and is being billed. Chase makes this process so cumbersome and difficult and provides no way to communicate with the special senior dispute team. The Chase associate that I dealt with was XXXX XXXX. ARN number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Creditor Pressler & Pressler obtained judgment against me by serving papers to my foreclosed property while i had been homeless. I never received information on court date or subsequent judgement. I reached out to the company after notified by former family member that a notice was mailed to his address about wage garnishment. I verbally requested verification of the debt, and provided my current mailing address for corespondence. I also attempted to make payment arrangements of which i was told i would receive a call the next day which did not occur. The only communication i received was notices for intent of wage garnishment at the new address i provided but they never verified the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Payoff process

Complaint: I believe that Chase has improperly applied payments to my credit card in the wrong order. 

This has happened twice. I had a promotional balance of some thousands of dollars at XXXX % interest, and an purchase balance of a smaller amount for about XXXX %. When I made a payment, Chase split the payment according to the percentage owed so that not all of the purchase balance was paid off and accrued interest. According to the XXXX of XX/XX/2009, XXXX Chase ought to have applied my payments first to the high-interest balance, then to the XXXX % interest balance. 

I should add that the clarification relating to deferred interest payments does not apply in this case, because I was also not anywhere close to the last XXXX billing cycles preceding the expiration of the deferred interest period.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My home loan got sold again ( 4th time in less than 3 years ). My current provider is Ditech and was sold to XXXX XXXX. Per notification laws, I am to be notified 15 days prior to loan change. The letter dated XXXX XXXX, 2016, was not recieved until XXXX XXXX, 2016. This leads to only a 9 day notification. Mortgage companies should be required to account for delivery of letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Bank account or service ((CD) Certificate of deposit) with M&T BANK CORPORATION (NJ).
Issue: Account opening, closing, or management

Complaint: I opened this CD account ( along with XXXX additional ) approximately 5 years ago. I now wish to close this account, but M & T Bank is making it impossible. When I opened this account I was adamant that I did not wish to have these accounts renewed automatically, I was told at the time I opened the accounts that it would be not be a problem and it would be noted on the account, this was not true. 
I sent my son to the bank on my behalf, I am XXXX years old with a XXXX XXXX and XXXX, and have XXXX. He was told at the branch that the power of attorney that he possessed was not valid and the institution would only accept their own power of attorney form. 
I feel that M & T Bank uses deceptive methods and is attempting to take advantage of a XXXX and veteran. 
I am attaching a copy of the power of attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: XXXX, XXXX & XXXX, XXXX, NATIONSTAR, XXXX AND NOW XXXX IS TRYING TO COLLECT A DEBT NOT MINE.

Company response to consumer: Closed with explanation