milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2016 about Mortgage (Home equity loan or line of credit) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: My Loan : XXXX at Quicken Loans I originally got started processing my Quicken Loan application with XXXX XXXX ( Mortgage Banker ) and uploaded my Verification of Assets on XXXX/XXXX/2016. However, somehow I lost communication with XXXX, and later on, got in touch with XXXX XXXX ( Mortgage Banker ) on XXXX/XXXX/2016. 

Next, XXXX XXXX passed me XXXX XXXX ( Client Care Specialist ) on XXXX/XXXX/2016 in entering the Underwriting stage of the loan process. 

Keep in mind Quicken Loan 's Verification of Assets says this : To close your loan, we need to verify that you have {$9500.00} in assets for reserves. This amount is subject to change as your loan is processed. Please provide bank, depository or brokerage statements, 401 ( k ), 403 ( b ), a Keogh account or an IRA statement showing a 60 days history for this verification. 

Given that I provided my XXXX XXXX bank statements on XXXX/XXXX/2016 and the Underwriting process started on XXXX/XXXX/2016, I felt Quicken Loan 's Underwriter made a bad decision to have me pay around {$500.00} for the appraisal performed on XXXX/XXXX/2016 when there was a chance the Verification of Assets could be a show stopper. As it turned out, it was a show stopper. According to Quicken Loan, my letter of explanation for assets was decline. So basically, I did a cash deposit of {$2100.00} on XXXX/XXXX/2016, {$3000.00} on XXXX/XXXX/2016, and {$5000.00} on XXXX/XXXX/2016 from my home safety deposit box and this reason was rejected. 

Good business practice of the underwriter should have been take care of all the necessary show stopper paperwork first before having a possible lender pay for the appraisal. 

Given I contacted Quicken Loan based on your recommendation, can you please help me get a refund from my appraisal? 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (MT).
Issue: Struggling to pay your loan

Complaint: My original payment plan was around {$290.00} every check. I was unable to make a payment and they did in fact lower my payment to {$230.00} every check. I had even called in when I had some extra money and paid them {$300.00} with my debit card to try to pay it off faster. When I looked at my account online, the XXXX had not lowered my balance at all. When I called to inquire about this, they told me that since I had not specifically said that I was using the XXXX to replace one of the specific payments that I still owed them the 5 payments of {$230.00} dollars that I already did before making the {$300.00} payment. XXXX Basically I was supposed to say, " hi I 'm calling to make my payment for XXXX right now. '' ) So essentially I just gave them {$300.00} without it paying down my loan at all. 
About a month ago I had a car repair I needed to make. When I called them to see if they could let me skip a payment and make it up with my next check, they wanted to put me on a payment plan for {$300.00} for another 10 months. The principal was {$1000.00} And I 've already paid them {$1600.00} to date. The interest rate is over 700 %. I 've contacted them and told them I 'm not paying them anymore money. I 've also closed my bank account they had on file for me. This company and others like it are predatory towards people with not so great credit, who are in a pinch and feel like they have nowhere else to turn. They need to be shut down.

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 03/22/2017 about Student loan (Non-federal student loan) with AES/PHEAA (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My parents have been paying my student loan for the past 5 years. They accidently overpaid the student loan by mistake ( were supposed to pay another on-line bill pay company ) and it 's been over 3 weeks and the student loan servicer refuses to expedite the return of the overpayment. it 's currently a hardship on my parents. I was told several conflicting answers on how the repayment of this overpayment would be handled

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (MA).
Issue: Money was not available when promised

Complaint: Hi, I have initiated a wire withdrawal request on XXXX XXXX and the site as promised estimated that the day of deposit will be on XXXX XXXX Then later the site has updated that the delay can be expected up to 5 Business Days and my request has crossed the 5 Business Days I tried emaile the Coinbase Team 3 times but had no response, then I tried to call them up three times and each time I waited for 1 hr with no response I am having a personal emergency and I am worried that I am being cheated by the Coinbase team

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Consumer Loan (Installment loan) with Shellpoint Partners, LLC (NY).
Issue: Taking out the loan or lease

Complaint: I am the borrower of New Penn Financial D/B/A Shellpoint Mortgage Servicing. 

I entered into a contract of sale, on XX/XX/XXXX, with the purchasers selling my co-op unit located in XXXX. After the Co-op Board approved the sale, my attorney started to contact Shellpoint, on XX/XX/XXXX, requesting for the pay-off arrangement. Shellpoint shall locate the collateral documents ( original Co-op Stock Certificate and Proprietary Lease ), and notify us, so that we could schedule a closing, at which Shellpoints will get the whole loan payment and I could transfer the title of the Co-op unit to the Purchaser. 

Normally it takes about two or three weeks for the bank to complete this step. However, despite repeated inquires made by my attorney, we did not see any efforts by or good faith in Shellpoint in processing the payoff. They simply responded they have not located the collateral documents yet again and again. They also refused to provide an Affidavit of Lost Documents after all the parties of the sale had been waiting months after months while such a simple affidavit can get the deal closed! 

On XX/XX/XXXX, my attorney, after numerous efforts, finally found out who represents Shellpoints and started to contact Shellpoints ' attorney for the pay-off arrangement. However, up to date, Shellpoint still could not provide either the collateral documents or the Affidavit of Lost Documents. 

With legal representation, Shellpoints should be fully aware of the consequence of such a serious delay. The delay of Shellpoint has not only cost me extra interest and penalty charged by Shellpoint, but also 6 months ' maintenance charge of $ XXXX/month, as well as extra legal fee and penalty charged by the Cooperative Corporation and my attorney. Besides of this, the Buyer may walk away from this deal any day. 

It will be beyond the imagination of any reasonable mind that CFPB allow a borrower be abused by a licensed commercial lender in this manner. 

It 's a nightmare!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been working with Experian for no less than 5 months to correct inaccuracies in my credit report.. One item they keep including the wrong data. My last dispute for this item was made in early   XX/XX/XXXX  . The account was with  XXXX   XXXX  and the last  XXXX  digits of the account number is  XXXX .  <P/> I finally brokered a conference call between  XXXX   XXXX  and Experian to resolve the issue.  XXXX   XXXX  told Experian they had not reported on this account since  XXXX  even though Experiean was showing late payments in the last 30 days. The account was paid off in  XXXX .  <P/> After the call Experian said they would remove the erroneous information  ( Late  Payments ) from my report. As of today Experian is still showing late payments in the last 30 days.  <P/> I have made at least  5 c alls trying to resolve this issue. Experian transfers me from  one  line to the next or leaves me on hold for long periods of time. I have been able to speak with a couple of different people that said that the file would be corrected. IT HAS NOT BEEN CORRECTED.

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 12-06-2015 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have had Nationwide Biweekly Administration, Inc. deduct XXXX of my mortgage and escrow fees every other week for years and Was led to believe the extra 2 weeks worth of payments would go 100 % to the principal. I just received a letter from them stating if my mortgage was due on XXXX XXXX, 2015 that they would pay my mortgage directly. And that if there are any funds remaining in trust for me they would be returned to my account or mailed by check to me. I am very worried as to whether they will be paying my XXXX mortgage payment as it is usually paid by the XXXX of the month. It is now XXXX XXXX and I am getting more concerned by the day. 
I wrote XXXX emails to the company to XXXXXXXXXXXX and have gotten no reply. When I call their number I get word for word the exact spiel that is in the letter they sent XXXX XXXX. What further steps can I take? 
I was Never told that there was a processing fee upfront or a fee associated with this every 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: commonwealth finanicial has cause harm to my credit with XXXX XXXX XXXXt drop in my credit score with XXXX  credit breau without vaildating the proper procedure for debt collection according. FAIR DEBT COLLECTION PRACTICES

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have been traveling out of town for the last two weeks for work and returned home last Friday to find a POSTCARD in my mail that had been collected for me by my neighbor with information about a class action lawsuit for Midland Credit Management. I was absolutely mortified! I do n't even owe Midland any money ( debt was paid last year ) and they do this? This is absolutely horrible.How embarrassing that my neighbor saw this! 

I know that the FDCPA prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. 15 U.S.C. 1692f. Further, Section 1692f ( 8 ) specifically limits the language that debt collectors may place on envelopes sent to consumers : Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This postcard I received identified me as part of a class action settlement against a debt collection agency. Specifically MIDLAND CREDIT MANAGEMENT! How did this happen? 

I can not even tell you how much this has distressed me being publicly humiliated like this. I am certain this will probably lead to ANOTHER lawsuit if it has n't already.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: Application, originator, mortgage broker

Complaint: I have been getting a run around from first merit about getting assistance with down payment assistance .... They are not utilizing all the grants that are available for first time home buyers.. They promised down payment assistance and told me to apply for it myself. .. This is the worst experience I have imagined ... They then told me it was n't in the job description, told me days before closing that I need to have {$5000.00} at closing. ... No one want to help with down payment resources. .. 
My name is XXXX XXXXFirst meritLenders supervisor : XXXX XXXXLender : XXXX XXXXWe called for the district manager and left messages as well

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I had previously sent fraud affidavits to TransUnion to get the following accounts which resulted in fraud removed from my credit history. They have failed to properly investigate and remove the disputed items below. 

XXXX with balance of XXXX} - FRAUD XXXX XXXX with balance of XXXX} - FRAUD XXXX XXXX with balance of XXXX - FRAUD XXXX XXXX LOANS with balance of XXXX - FRAUD XXXX XXXX XXXX with balance of XXXX - FRAUD I have sent 2 previous letters to TransUnion, all by certified mail requesting that they remove inaccurate information from my file along with the fraud affidavits and they have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent certified mailstated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt them to conduct a proper investigation of the accounts in question and send proof to me of said investigation, I will file a civil suit in XXXX XXXX for damages. I take my credit very seriously and their lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

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 11/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I applied for the XXXX XXXX issued by Barclays on XXXX/XXXX/XXXX at about XXXX XXXX XXXX. I was not instantaneously approved for the card, so I called XXXX at about XXXX XXXX XXXX to find out about the status of my application. I spoke with a representative who told me that in order for Barclays to process my application, I would have to send to Barclays through the mail a copy of my drivers ' license, a copy of my social security card, and a copy of one of my utility bills. In this age of identity theft, I have never heard of anything so absurd as a request to send all of my personal identifying information in one envelope to some random P.O. Box through the mail leaving me with no confidence that my information is secure!!!. XXXX knows what would happen to those copies once dropped into the mailbox! My girlfriend experienced the same issue when applying for the XXXX XXXX and, after asking to speak with a supervisor, was able to confirm her identity with Barclays by answering the questions the supervisor asked based on information in her credit report. That supervisor also told my girlfriend that sometimes Barclays will verify a customer 's identify by sending a code via text to the customer 's cell phone. When I asked for the same courtesy, the supervisor I spoke with insisted that I must send my identifying information to Barclays via mail or fax. As far as I am concerned, this should be illegal. There are many far better ways to verify my identity than to ask me to expose myself to identify theft. A COPY OF MY SOCIAL SECURITY CARD TOGETHER WITH MY LICENSE??? THROUGH THE MAIL??? ARE YOU SERIOUS??? Are Barclays executives prepared to answer to Congress to explain how this method for verifying customer information is secure???

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent a validation letter return receipt to XXXX XXXX XXXX and was signed for on XX/XX/XXXX. Since the debt was unable to be validated and XXXX XXXX not licensed to collect debts in Nebraska the collection was removed from XXXX and XXXX but not Equifax. Equifax needs to follow suit and remove from my credit file as it is adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Debt collection (Other debt) with The CMI Group, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company Credit Management calls in spite of being informed that we have never lived at the addresses/cities in question or had an account with XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Credit reporting () with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This debt is paid in full for over a year but they are still reporting on my credit report no matter how many times I have disputed it it comes back as validate knowing that these debt are paid in full. Please look into this matter it is affecting my credit score and my personal and business life.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (WA).
Issue: Account opening, closing, or management

Complaint: Hello, I am a XXXX agent, I am working on a short sale and US Bank is holds the XXXX lien. I have documented EVERY conversation, email and fax. They have not responded to ANY communication since XXXX, and I have a pressing need to get the file assigned to a negotiator. The XXXX mortgage is with XXXX and they are already reviewing the file. They will likely give me an approval within XXXX weeks and US Bank has n't even confirmed a complete package!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: On XXXX XXXX, 2018 I received an email from Citi Bank that they decreased my credit limit! In fact, this impacted and affected my credit score greatly! In the meanwhile, I contacted a representative and I was told that the decrease was due to a credit report change! So I contacted XXXX and they told me that my credit score went up and they could see no reason other than maybe that an account was closed! So I contacted Citi Bank once again and was then told that my account was decrease due to some information from XXXX! I then contacted XXXX once more to be told that they had no control over whether Citi Bank decreased or increased my credit limit! Overall this is affecting my credit score and other creditors from giving me credit! This is unfair and against the fair credit act!

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 07-02-2017 about Debt collection (I do not know) with Southern Credit Adjusters, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have reached out to this debt collector twice now to find out what in the world these items are on my credit report. They are reporting that i have something in collection with them and are not responding to my requests to verify. I first sent my request to verification through the credit bureaus, and then the letter attached most recently. I have given them MORE than 30 days to respond, and I am done asking. I need you to investigate this. I have no idea what it is, what its for, or what else to do to find a resolution. This needs to be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: Late fee

Complaint: On XX/XX/2016 my payment to Chase Bank 's Credit Card department was posted to my checking account. This transaction typically takes 2 to 3 days to post on Chase Bank 's side. For some reason beyond my control, this transaction did n't post on their system until XX/XX/2016. Chase assessed a late fee, which increased my minimum payment. In XX/XX/XXXX, I made the same payment as in XX/XX/XXXX not knowing anything had changed. Chase assessed an additional late fee. In XX/XX/XXXX I contacted them and disputed the charge. I 'm well within the 60 day window for such issues. They agreed to waive the late fees. In XX/XX/XXXX, I was assessed another late fee for not making my minimum payment ( which I did ) because Chase only waived XXXX of the XXXX late fees. Thus my account was not made whole and I continued to be erroneously deemed 'delinquent ' in my payments. I called yet again and they were unwilling to live up to their previous agreement and insisted on continuing to charge me multiple late fees. I am paying off my balance ( minus these erroneous fees ) and closing this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This collection agency is harassing me for a regular payment to XXXX which was paid BEFORE THE DUE DATE, and I have the cancelled check.

Company response to consumer: Closed with explanation