milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: Hello CFPB team, please look into this situation with mortgage rate through Quicken Loans # 1 lender in America. On XXXX/XXXX/16 I filled out on line form and received a call from a Mortgage Banker XXXX XXXX XXXX # XXXX. I told the person that was referred by a coworker that just completed a refinance through Quicken and was able to low his mortgage payment. The loan representative told me that the lower rate available is 3.25 % today. She collected some basic information and asked permission to run my credit. I gave the persmission because I was under the impression that I am getting a lower rate, what I was quoted by her at 3.25 %!! After a few minutes into a phone call she told me that there is some savings for me to do this refinance and gave me a dollar amount for the payment. The payment was {$80.00} less then what I am currently paying. I told her I want to start the process. However, in a sudden XXXX indicated that it is going to cost me {$8000.00} to get this rate, but it is the lowest rate available!! Really?! Is it still required under Reg. Z to provide consumer with APR once rate is quoted? Why credit was ran and personal information was collected to mislead me from the start that the quoted rate is available at no cost if no APR was provided?? How many people fall into this trap with the # 1 lender in a country that 's running their adds on TV, radio and all over the internet. My question is : " Will the Quicken Loans Company going to be held accountable for this? Is Senior Management going to provide resources to train their mortgage bankers to provide the benefits for consumers and not just generate more business for the company? Or trap more homeowners to do something that has ZERO benefits? The call was recorded. I wish Quicken to honor what they stated over the phone to me. Thank you for looking into this & hopefully less homeowners will be in such terrible situation. I felt very bad after this call.. plus I keep getting emails from Quicken to my Inbox with more attractive deals.. Are they REAL?!

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: ONCE AGAIN NATIONSTAR MORTGAGE FAILED TO RE-INSERT ACCOUNT BACK INTO MY XXXX CREDIT REORT SINCE 2013 ( SEE ATACHED ) IN VIOLATION OF THE F.C.R.AA. AND THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Last year in 2017 I disputed with XXXX and Experian regarding a account XXXX XXXX after I sent a written Dispute and it was later removed from my credit report.This morning I get a alert from XXXX  XXXX that the account reappears on my credit report after it was deleted.This false information has affected my ability to obtain credit

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 10/31/2016 about Credit reporting () with Rent Recovery Solutions (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Rent Recovery Solutions, an invalid debt on my credit repot, was removed due to the inability to verify the debt was accurately mine on the week of the XXXX of XXXX. Upon checking my credit information on XXXX/XXXX/2016, I observed this item was put back on my reports. I did not receive any verification of why this item was placed back on my reports. Also, this item is shown TWICE on my XXXX for the same debt, only the account number was changed and the amount decreased by {$1.00}, which deems this act to be an unlawful practice in an effort to continuously put and keep this fraudulent account on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Hello I would like to submit a complaint against   XXXX   I have disputed a account that does n't not belong to me the credit agency name is FAIR COLLECTIONS AND OUTSOURCING and I have ask for proof showing that this account belongs to me I have contact the credit agency also and they have this account under a person name  XXXX   XXXX  and my name is  XXXX   XXXX  I have never changed my name or used another name and have contact both parties and nothing has been done expect  XXXX  has sent my credit report to be stated " VERFIED '' but nothing was sent to me showing how this was verified I sent over a copy of my ssn and Drivers lincense card to them and still nothing has happen and they have not verified to me how this info was verified I would like the incorrect info off of my credit report as this does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: In XX/XX/XXXX, I used PayPal to pay for several purchases. I got a bill from PayPal Credit.
My PayPal account is backed by a VIsa credit card. I have always paid PayPal thru this credit card. That is the way I want it to STAY.
I called PayPal Credit. They have opened an account thru Synchrony Bank, IN MY NAME!!!!.
This was done WITHOUT my Knowledge or Approval!!!!!
I consider this FRAUD!!!!!
I closed the account with Synchrony Bank.
I saw online, That in XX/XX/XXXX PayPal PAID a XXXX XXXX FINE for doing this ILLEGAL ACTIVITY!!!!! THEY ARE STILL DOING IT!!!!!!!
P.S. I had to go online to find out who to complain to. I asked PayPal credit & Synchrony Bank. THEY WOULD NOT TELL ME!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I called Navient on XX/XX/2017 to advise that I had lost my job and wanted some options for repayment. They offered to put me into forbearance for 2 months, which they only did for one. I have another Federal Student Loan that is handled by My XXXX and I made the same call to them, and their representative XXXX told me about the Income-Driven Repayment plan and sent me the application and talked me through all of the steps and benefits. XXXX also talked me through the Public Service Forgiveness Program, which I greatly appreciated and he spent over 30 minutes on the phone with me. Further, XXXX explained that I could benefit by consolidating my loans, and also that if I did so I could choose a loan servicer. These were all things I did not know about. 

I called Navient back on XX/XX/2017 and their representative, XXXX, talked down the Income-Driven program and tried to steer me away from it and was not helpful. Additionally, she denied that Navient had only given me one month of forbearance, and while we were on the phone she corrected it to two months, as evidenced by the emails and updates I received while we were talking. I was not offered any helpful information about the Income-Driven payment option ; rather, XXXX told me that my monthly payment would INCREASE by {$1.00} per month if I went into that program. I felt like I was being bamboozled, as XXXX also appeared to try to discourage me from using the Public Service Forgiveness Program. I am currently working to consolidate my loans and will choose My XXXX to service it, despite the fact that the interest rate is a bit higher, but Navient should be called out on how they handle customers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Bankruptcy filed in error and vacated credit bureau refuses to investigate and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (I do not know) with Eastern Account Systems of Connecticut, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Eastern Sy stems Posted a debt collection on my credit repo rt EASTERN ACCOUNT SYSTEM I  Address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CT  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Original Creditor :   XXXX      XXXX   XXXX    XXXX  Address Identification Number :  XXXX  Status : Collection account. {$59.00} past due as  of   XXXX   2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My address on my credit report is wrong. I was told by an Experian representative that I can not dispute personal information such as my address. I have talked to 2 people at Experian by phone. I first contacted XXXX or about XXXX. 

XXXX reference # for XXXX XXXX XXXX XXXX XXXX On my credit report it says I can file a dispute at www.experian.comXXXX but when I fill out the information and submit it says it ca n't honor the request to submit a dispute online. They actually said i can not dispute incorrect personal information such as an address I never lived at.

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 10-04-2016 about Debt collection (Medical) with Collection Information Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had XXXX at the time of this charge but the provider never put in for their claim within the one-year allotted by Medicaid. After the one year they started coming after me for the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Great American Finance Co (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Great American XXXX XXXX ( XXXX ) sent consumer a settlement offer to remedy account # : XXXX in the amount of {$1400.00}. Consumer used a credit card to pay the amount of {$1400.00} on or before XXXX XXXX 2016. Consumer was promised that if payment was received by that date Great American XXXX XXXX would report to all XXXX major credit bureaus the payment and remedy consumers account. Consumer sent payment by credit card ( confirmation number : XXXX ) and continues to receive past due statements requesting payments in the amount of {$84.00} for the account referencing # : XXXX. Consumer wants the account credited the amount promised and closed as promised by Great American XXXX XXXX ( XXXX ). Consumer has paper documents to verify the interaction and will mail those documents to the Illinois Attorney General 's Consumer Protection Division of XXXX office and cite fraud and extortion as there are numerous complaints online to verify this type of fraudulent behavior from many consumers who have interacted with Great American XXXX XXXX Consumer wants Great American XXXX to either return the money of notify the XXXX major credit bureaus that the debt has been satisfied and is no longer viable as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I obtain credit lines with community bank over a year ago. I have XXXX credit lines with them for Victoria secrets, anne taylor, and XXXX. My XXXX XXXX was XXXX last year right before the new year. There was no life insurance nor do I receive social security. I missed a lot of work during that time in addition to having had XXXX and my son younger son becoming ill and having to have his adenoids removed. I fell delinquent. I tried to make arrangements but what I could pay they were not willing to accept. I became displaced and had to live with a family member for a while. I reached out to them to place me on a hardship program which they could not without taking a down payment. I told them the money they were trying to collect I did not have but if they could make more reasonable arrangements I could work with them. Each time I spoke with a manager she /he promised to call me back with a resolution but they never did. I continued to call still with no resolution. Finally I called and was threatened with having my wages garnished. I advised the rep that she could not do that without first filing a law suit. I reported the incident to a manager who again apologized but no action was taken, this same manager indicated she would call me back but never did. I have since received calls from them sometimes over 20 times a day back to back. I have asked them to stop calling me if they are not willing to work with me and harassing me and the calls still have not stopped. They have been in multiple violations of the fair debt credit collection act but simply do not care. I am not nor was I ever trying to get out of the debt but I wanted to come to a sensible resolution. At this point the calls have become harassing. Once I brought it to their attention they started alternating between the types of calls ie private and then sometimes from different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: I co-signed on a car loan with my son and he purchased full coverage on the vehicle including gap insurance. He was involved in an accident and the car was totaled per geico insurance company. The bank was named as additional insured and at all times was kept in the loop.As you know insurance companys take time to process claims and it was taking longer than usual and the bank was not co-operating with the insurance comapny which my son should have taken care of this and he didnt. To make a long story short the insurance company paid the bank and the gap insurance company requested information from the bank which they did not to my knowledge provide to them so they may pay the balance of what the insurance company did not pay.The bank has falsely reported to the credit reporting agencies that this is a voluntary repossession which is not true or correct. They were paid in full according to the insurance company. This is affecting my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (FHA mortgage) with SUBURBAN MORTGAGE, INC. (AZ).
Issue: Application, originator, mortgage broker

Complaint: I recently applied for and was accepted into the FHA-approved Home in XXXX Loan through Suburban Mortgage in XXXX. Initially, I was going to go through my credit union but XXXX with Suburban Mortgage assured me that I would qualify for this advantageous loan and persuaded me to place my business with them. I provided him with my past 2 year 's tax returns and all other paperwork needed for the approval. I was approved for this loan in XXXX of this year. He told me that I was approved but failed to mention that there is an income requirement for this type of loan. He called me with 2 week 's to close to advise me that " underwriting '' would not approve my loan because of my income. I watched as my dream home faded away through no fault of my own. He had my tax records as well as my past month 's bank statements which clearly show my income. He then offered to switch me over to a different kind of loan if I would stay with them! I had to pay a {$99.00} fee to take an exam in order to obtain this loan ( which I passed ), a termite inspection fee ( {$50.00} ) and a home inspection fee ( {$350.00} ). Suburban Mortgage materially misrepresented this loan to me and lead me along, fully knowing that I would not qualify for this mortgage. Not only did I lose out on the purchase of my home, but I am now also out financially. I have tried calling his manager, XXXX XXXX at XXXX but he has not returned any of my phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/19/2016 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt and I would like to have it removed as it is reporting to the credit bureau as an open account and negatively affecting me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The creditor refused to respond to my request of them to validate the debt pursuant to the FDCPA 15 USC 1692g Sec 809 XXXX b ). 

The request I made was on XXXX XXXX, 2015, and to date they have refused to respond. Even worse, they placed this account for collection on my XXXX Credit report. These bully tactics on the part of this creditor are a clear violation of the FCRA & the FDCPA, and serve to only defame my character & ruin my otherwise good name. 

The request I sent was sent " Registered, Return Receipt '' and you 'll notice that I have proof that the creditor not only received my letter, but they read it & still refused to respond. 

Please help. I have no where else to turn for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (CA).
Issue: Problems caused by my funds being low

Complaint: I have had an online checking account with Ally Bank since XX/XX/XXXX. I never opted in to overdraft protection with them, nor did I agree in writing or verbally to allow the bank to pay overdrafts on my account. At the time I opened my account with Ally the bank 's overdraft fee was {$9.00}. 

On XX/XX/XXXX, a merchant erroneously charged my checking account {$84.00} via an Internet transaction. I had {$23.00} in my account at the time. Despite my never authorizing it to do so, Ally paid the debit and charged me a {$25.00} overdraft fee, nearly triple the amount to which I had agreed when I opened the account. I called the bank and the representative told me payment of the item was at the " bank 's discretion. '' According to my understanding of the law, that is not the case because I never authorized it to pay transactions that overdraw my account. I also asked why the fee was {$25.00} versus {$9.00}. The woman stated that the bank increased the fee in XX/XX/XXXX and had sent a letter notifying me. Despite the fact that I have received every single statement the bank has ever sent me, that letter mysteriously did not arrive. Nor did I receive anything via electronic mail. 

I have resolved the issue with the merchant in this case, who was completely at fault. However, the issue of why Ally paid this amount and charged me a fee is not resolved. I do not want the bank to accept transactions that overdraw my account and then charge me a fee, nor did I authorize it to do so. I was illegally charged hundreds of dollars in fees by XXXX and received a {$3.00} check after it settled its class action suit for what amounted to chump change. I vowed at that time never to be victimized in the same way again. Yet here we are. 

In addition to the fact that Ally should not have allowed this transaction, I was also not notified that it had gone through. The bank is required by law to tell me about all overdrafts and fees so I can take appropriate action if need be. Had I not on a whim checked my account this transaction would have stayed there until my next statement, at which time the account would have been overdrawn for & gt ; 10 days. According the the bank 's representative, allowing the account to be overdrawn for that amount of time -- even though it never notified me and it was the merchants fault, could have resulted in the overdraft activity being reported to XXXX and also negatively impacted my ability to conduct certain types of business with the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RMS-Recovery Management Services, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: My name is XXXX XXXX XXXX, I am currently attempting to ensure that my credit report has accurate information. I have contacted Recovery Management Services and asked for documentation of this debt. I was told by Representative, XXXX XXXX that if I wanted documentation I would have to dispute it with the credit bureau and that they would respond to them. He stated that it should not be on my credit report, but refused to give me documentation. I attempted to explain to XXXX XXXX that as a consumer I have a right to ask for documentation. He became irritated stating that I was listening and hung up on me. When dealing with the Credit bureau it is always best to have documentation to ensure that the correct information is shared.

Company response to consumer: Closed with explanation