milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with QUICKEN LOANS, INC. (TX).
Issue: Closing on a mortgage

Complaint: OnXX/XX/XXXX I started a refinance application with Quicken Loans. All paperwork was done online and submitted online. I had a home loan and a home equity loan. The home loan was with XXXX XXXX XXXX and the equity loan was with XXXX. All i wanted to do was to combine the two loans back into one. So, that is refinance loan. I got a call from Quicken Loans, ( do n't remember the date ) telling me that in order to make the numbers work that they would have to include one of the credit card amounts in the loan. I said okay, but was not aware that this was going to make my loan a home equity loan and this was not explained to be by the Quicken Loans Representative. I really did n't realize that it was a home equity loan until a week ago. I applied for a home equity loan and the bank called me to tell me that i already had one home equity product and that in the state of Texas a person is only allowed to have one home equity product at a time. I was confused about that and so i went to look at the loan documents i had received from Quicken Loans and sure there it was. I never really looked at the documents that i received in the mail from Quicken Loans. If i was told at the time that this was going to be a home equity loan, then i could have research it and make a decision. So, I still thought it was a refinance. Part of my complaint is Quicken Loans did not disclose to me at the time that adding the credit card would make my loan a home equity loan and the other part of my complaint is the way in which the closing was done. 

Quicken Loans did not follow the law for the closing of home equity loans in the state of Texas. The law states that all closing of home equity loans are to be done in person and at a physical address and if is not, then the person would have to sign a power of attorney to have someone sign for them. If a power of attorney is assigned then all paperwork would be signed " person name by person name ". In my case none of that happen. I did not attended closing. I did not give permission or sign any power of attorney and all documents i received from XXXX XXXX, XXXX only have my name typed on the line and no initials, no notary seals on any paperwork. I did ask Quicken Loans several times where would be closing be done and they said at a office near me. Then i got a call that the closing was going to be done and I would not have to attend. All this was done in a matter of 24 days from start to finish. I applied on theXX/XX/XXXX and documents state closing wasXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification with Ocwen loan. I was approved and all through the process I made sure I was not going to have a balloon payment at the end of my loan. 
They assured me that I was not going to have a balloon payment. 
We paid the XXXX ( XXXX ) trial payments of {$1400.00}. All through the process they assured me no balloon payment on my loan. 
When I received the final modification documents the payment was {$1300.00} adjustable. 
When I questioned them about the modification terms and the balloon payment they told me that theyXXXX decided to put a balloon payment on even through they said they were not going to.. 
Then I refused to sign the modification documents and then they sent me a delinquency notice with payments of {$2000.00}. I sent the payment and they sent it back. 
Please help with Ocwen. They batted me and then switched.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit reporting () with STERLING JEWELERS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The original creditor sold this debt to a collection agency, they also wrote off this debt on their taxes which wrote off my obligation to pay but I paid anyway. This contract was cancelled which means NO CONTRACT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax shows a unnamed account on my credit report for XXXX there is NO NAME no phone number no company provided with NO OWNERSHIP see photo attached ive tried to contact Equifax and was hung up twice and disconnected twice, ive disputed the info on their website with no success. 

this is fraud at its finest, not to mention the unprofessionalism on Equifax part.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Mortgage (Conventional home mortgage) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report

Complaint: I sold my home last year and BBVA COMPASS BANK reported BANKRUPTCY on my credit report on XX/XX/XXXX. I have contacted COMPASS BANK numerous times and no one has returned my phone call. I have had to hire a credit company to try and resolve this issue. We sold our home in XX/XX/XXXX and purchase our new home in XX/XX/XXXX. I have never filed for Bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have been disputing Wells Fargo dealer services with XXXX for the past few months. My last time disputing this item wasXX/XX/XXXX Wells Fargo was supposed to fall of my credit file in XXXX of this year which it hasnt as of yet. My last time disputing this item they marked the account as having a late payment. XXXX has failed to follow the rule of the FCRA and is still reporting this company on my credit and its been over 7 years. XXXX has also allow a few companies to run my credit without my consent or knowledge even though I have a credit freeze on all my accounts.

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 09/29/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I asked Equifax Of my payment history dating from now until 2007 for creditor XXXX and Equifax or XXXX can not provide me with my payment history dating back to 2007 the beginning of my loan

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (FHA mortgage) with STANDARD MORTGAGE CORPORATION (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job XX/XX/XXXX and asked my mortgage company to extend my loan one month so that I can stop having to pay them {$37.00} in delinquent fees like I have been doing since XX/XX/XXXX because I get my social security check on the last week of every month. The note is due on the first, but since I fell delinquent XX/XX/XXXX due to my job loss and my social security checks did n't start coming in until XX/XX/XXXX ; I called Standard Mortgage asking them to help me catch up. They said no just like they have done since I opened the mortgage loan with them in XX/XX/XXXX. I can understand them not helping me before when I was working and just had minor problems, but this is a very serious issue because I am forced now to pay the {$37.00} late fee to keep my loan from becoming default. As of today, XX/XX/XXXX I can not make my mortgage payment because I had to use the only money I have to pay for my filing of Chapter XXXX Bankruptcy. As of tomorrow I will be in default on my mortgage simply because Standard Mortgage refuses to help me by restructuring my loan to where I can be current on my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My home was foreclosed on over 7 years ago. I worked for the lender that did the mortgage and lost my job in the financial crisis. I have been disputing information on my credit file for years to no avail. The bank ( Wells Fargo ) is reporting XXXX loan multiple times as well as a collection agency that is reporting the same loan so essentially I a being hit XXXX times for the same mortgage. I have also waited the 7 years statute of limitations and the trade-lines are still being reported on my credit file. I have disputed multiple times with both the lender and credit reporting agencies

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Closing/Cancelling account

Complaint: My Capital One credit card has been closed due to a mistake by Capital One and my request. My credit still reflects a balance, there should be no balance it was paid in full. Also Capital One agreed to remove this account entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: This is what Equifax sent me.. Dear XXXX XXXX XXXX : Below are the results of your reinvestigation request and, as applicable, any revisions to your credit file. If you have additional questions regarding the reinvestigated items, please contact the source of that information directly. You may also contact Equifax regarding the specific information contained within this letter or report within the next 60 days by visiting us at XXXX or by calling a Customer Representative at XXXX from XXXX XXXX We have researched the credit account. Account # XXXX The results are : This item has been deleted from the credit file. If you have Please note this is still on my account in the amount of XXXX dollars with a other company called XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX In the amount of XXXX dollars ALERT ( s ) : Fraud Alert. 
Your fraud alert Auto Renewal is ON. Fraud Alert Expiration Date : XX/XX/2016 And I am not able to Lock my Credit Report as Equifax said with my ID Patrol ( R ) Premier account This is my complaint Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit card () with JPMORGAN CHASE & CO. (MO).
Issue: Payoff process

Complaint: The Chase Card does not offer a way of automatically deducting an amount other than the minimum ( pay offs would take years on thousands of debt ) or entirety of the balance ( which probably most folks ca n't afford ). I know that my XXXX card allows me to select any payment amount for a monthly balance. Ultimately this lack of offering is unfair to those who are juggling more in their lives than their tee times and tea times.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit card () with DISCOVER BANK (CA).
Issue: Unsolicited issuance of credit card

Complaint: I RECEIVED A PHONE CALL FROM XXXX ON MY HOME SCREEN ON MY MOBILE DEVICE IT SHOWS THE NUMBER FROM COLORADO. WHEN I ANSWERED THE CALL THE MESSAGE STATED ABOUT MY CREDIT CARD BALANCE STATING TO PRESS XXXX. AFTER DOING THIS THE PERSON WHO ANSWERED MY CALL WAS XXXX AND SINGING.! I HUNG UP! ANOTHER NUMBER ASSOCIATED WITH THIS CALLXXXX XXXX XXXX.-CREDIT CARD/ LOWER INTEREST RATESXXXX XXXX XXXX XXXXBOTH THESE NUMBERS WERE FROM THE SAME CALLER. 


I RECEIVED XXXX CALL BUT XXXX DIFFERENT NUMBERS WERE SHOWN

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I submitted a complaint prior XXXX and do not think it is right to have to wait 60 days for a response and still have this listed on my credit file which is inaccurate. I want this removed while this investigation is being held.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Debt collector against whom this complaint is being file : Commonwealth Financial Systems Inc XXXX XXXX   XXXX XXXX, PA. XXXX XXXX XXXX Unwarranted negative reporting to debt collection agency : XX/XX/2018 XXXX Complainant : XXXX XXXX XXXX ( maiden name : XXXX ) SS : XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX Tel : XXXX Cell : XXXX Paid under duress : {$540.00} Alleged account number : XXXX Date of debt : unknown Hello, Please help me. My credit monitoring company informed me that Commonwealth Financial Systems had reported a negative account of an alleged debt that was in collection. 
I immediately called and they said it was a medical bill ( which sounded possible, but not sure what it was ). I never received notice of any kind from the collector. The company prematurely put this negative item on my report. 

According to commonwealth Financials representative, in order to delete this item from my report, I needed to pay the account in full. My credit report was in essence held XXXX to the companys will. I paid the bill under duress without notice, demand, verification or communication. 

Please discipline this company and have my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (NY).
Issue: Application, originator, mortgage broker

Complaint: Last summer I purchased my first home and took out a mortgage. When evaluating different mortgage lenders I compared Citibank to XXXX XXXX and XXXX. Citibank was not the most competitive on rate, but they told me that if I chose a Citi Mortgage, I would not incur minimum balance fees on my Citigold bank account after I withdraw funds for my down payment, because the mortgage balance would count toward my total Citibank relationship. I chose the Citi mortgage because of this benefit as I wanted to avoid any minimum balance fees after buying my home, and I wanted to maintain my Citigold status because of its several financial benefits. For the past 15 months everything was fine, however last month I received a minimum balance fee of {$30.00} for the first time. I was told by Citibank that they are no longer honoring their policy of counting a mortgage towards a my total relationship with their bank. They misled me into choosing a Citibank mortgage with them based on this policy being in effect. When I was first evaluating what mortgage provider to select, I evaluated the costs of paying fees on my Citigold account and using a different lender who had better rates versus choosing a Citi mortgage and avoiding Citigold fees. I ultimately chose the Citi mortgage so that I had the ability to keep lower bank account balances while still keeping my Citigold status. The Citigold status provides certain financial benefits that factored into the decision. There were absolutely zero disclosures on my mortgage documents relating to the potential risk that their policy of counting my mortgage as part of my total banking relationship could be be cancelled at any time. I thoroughly reviewed all of my original mortgage paperwork and find no reference to the risks of these changing policies. I was led to believe that this policy was fundamental to the mortgage, and that it was something never at risk of changing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Pendrick Capital Partners Holding, LLC (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I asked them if I could pay this debt or a settlement would they do a pay for deletion. They said yes. They did not keep there word. I paid this debt and they said they would delete it from my credit report. All  XXXX  bureaus. It 's still reporting on my credit report. The account was paid. I then received a letter in the mall saying Please be advised that this office repres ents Patrick capital partners con cerning the above preferred account originated from  XXXX   XXXX   XXXX   XXXX  According to our client on his record there is a balance due of them out at {$340.00} this will acknowledge and I was a report of your settlement payment amount at  XXXX  on  XXXX   XXXX ,    2017 thi s account is being said or close by our office thank you for resolving this matter yours truly  XXXX   XXXX   XXXX  ... This is NOT what I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: XXXX XXXX has been trying to collect money from me that I do not owe. I have been contacted by four collection agencies. Each time I receive a notice about XXXX in the mail from a collection agency, I reply within 30 days and explain to them why the debt is not valid. XXXX XXXX has reported the account on my Experian credit report. The amount is {$57.00} On XX/XX/XXXX I sent a dispute letter to Experian. On XX/XX/XXXX Experian sent me the report on the results of their investigation. They say that the information has been verified as accurate. All that Experian has done is verify the same FALSE information that XXXX XXXX is providing. XXXX XXXX thinks that I have an account with them because I purchased a phone at a retail electronics store and the store had a technical problem and could not activate the phone. The store let me return the phone and they refunded all my money. The store said they notified XXXX. This happened XX/XX/XXXX. Apparently the store either did not notify XXXX or XXXX did not get the 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 08/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The creditors have wrong personal information. I have married and my last name is changed along with my address. I also noticed that they have medical debt reports that I did n't even know I had and can EASILY be taken care of right away! These things are a HUGE reason I am getting such a bad report, I NEED THIS CLEARED AS SOON AS POSSIBLE. Also I am taking care of a HUGE student debt, that should be showing progress to my credit report but just found out that it is n't because of them not HAVING THE RIGHT CONTACT INFO and my name change due to marriage. I have reason to believe my someone is using my name and social security number to keep utilities in my name, I see I have a " consumer energy '' and " XXXX '' debts in a time frame that I 've lived here at this current address and KNOW for a fact could n't be my debts because we have different providers actually I still have them until this day. WHAT DO I DO?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was an ID theft victim in XX/XX/2007, and when it happened I notified all three credit bureaus who in turn assigned me a security freeze password that can be used to lift the freeze at my discretion. I moved from that state to another, and that 's when the problem started. When I put a change of address, I mailed all three credit agencies my updated driver license, a billing statement with my address, a copy of my social security card and the original police report of the ID theft incident. XXXX XXXX and Experian both immediately updated my records to reflect my new address ; Equifax did not. Instead they incorrectly inputted XXXX of my old addresses, but I did not XXXX this until several months later when I needed to lift my security freeze. It would not allow me to do it stating my information did not match their records. 
XXXX attempts to clear this up by contacting Equifax and nearly XXXX years has past, yet I 'm still arguing with Equifax. When I call I get transferred over seas, back to XXXX, back to overseas until I get so mad I hang up. I 've faxed them written requests XXXX times. They responded once by telling me they ca n't help me until I mail them proof of who I am which I had already done. They did respond and correct my address, but then once again when I attempted to lift the freeze, the recording said my information did not match their records. Last month they mailed me XXXX letters, neither of which addressed my original complaint which is by Oregon law, I 'm entitled to transfer my security freeze to another state, yet Equifax tells me I no longer qualify. My last letter stated to them that if they did n't get this fixed, I would file a complaint against them. They have not fixed it, and last month I needed tires. My tire shop uses Equifax exclusively so I could not apply for credit to get tires. I 'm not driving until I can get tires as Equifax has me held XXXX. Please help.

Company response to consumer: Closed with explanation