milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Settlement process and costs

Complaint: * Wells Fargo Provided a Misleading Initial Loan Estimate and Made Last-minute Changes to Loan Estimate : The original loan estimate I received did not include {$2000.00} in escrow prepayment that showed up in a later Loan Estimate. When compared to mortgage offers from other lenders, this made the Wells Fargo loan look much better and led me to withdraw my applications with other lenders. When I received a new Loan Estimate following the appraisal, the additional charge was shown and the charges for discount points were doubled. I informed the Mortgage Consultant of the additional charges and he repeatedly assured me ( via email and phone ) that this was an error and would be corrected. After two weeks requesting status updates on the Loan Estimate and being reassured it would be fixed, the Mortgage Consultant informed me the charges were accurate. This increased our closing costs by {$2800.00}, three business days before our closing date and the same day Wells Fargo was supposed to send the closing documents to the title company. This left no time for us to discuss or negotiate the charge with Wells Fargo, to renegotiate terms with the seller, or to appropriately prepare our finances. 

* The Wells Fargo Rate Lock Was Not Honored : I received a new rate lock following the appraisal a few weeks before closing. The Wells Fargo Mortgage Consultant repeatedly assured me that the discount points would be consistent with the Rate Lock, until three business days before closing when he informed me the charges would be double. The Rate Lock and the Mortgage Consultant 's statements were not honored. 

* The Wells Fargo Mortgage Consultant Made False and Misleading Statements : In regards to the above actions by Wells Fargo, specific statements made by the Mortgage Consultant proved to be false or misleading. The following statements were made via email in response to my requests for information about the updated Loan Estimate. These statements and others made during phone conversation led me to believe the Loan Estimate was not accurate and would be updated : - " The exception in pricing you received kicked out evidently. I will get it approved again and corrected. '' - " I will get him to put the request in the system Monday morning. I would do it be we are not allowed to. I know that it will get approved without any issues. ''

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 monetary relief
Consumer complaint received 09-02-2016 about Debt collection (Credit card) with Sentry Credit, Inc. (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I called your agency to inquire about possible payment plans and settlements available to me in regards to the unpaid debt. I was very professional and I explained my situation to the agent as to the reason why I had not paid the bill. 

The agency started off professional but the changed once I started asking additional questions about possible payment arrangement/settlements. When I did n't agree to what she was saying she started to get very forceful and aggressive trying to bully me into making a payment. I let her know that I was a collection manager and that I know we could make other arrangements instead of the five year agreement she tried to get me to sign. She refused saying that 's not possible now. She continued to become more harassing. 

She stated she was going to tell your agency that I was refusing to make a payment. I told her no I did not say that I was simply trying to see what I was going to do. She continued to lay into me stating make a payment sarcastically, then she stating you are not going to make a payment, you have not made payment in five years. I replied to the agent I was going to make a payment and before I could finish what I was saying she cut me off. 

I advised the agent that I was going to end the telephone call because I was not going to continue to let her speak to me in that manner. I do n't know what type of business you are running but her agent is violating the Fair Debt Credit Laws. A copy of this letter will be forwarded to them in regards to this matter. 

I called you because I know I owe the money and I am currently paying off other debts. My intention was to work towards paying this one. Your company is the rudest company I ever worked with and I would not use your company at my bank. I will make sure that I spread the word. You do n't have to be rude to people because the owe money ; thing happen and people are placed in certain situations ; in most cases it 's out of their control. As a collector, your agents should understand that and become better listeners than screamers.

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 05/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX 2015, I disputed unauthorized inquiries with Transunion. I never received a response. When I called they said I needed to call the creditor and that I did not provide evidence so they will not investigate. My issue is some companies numbers are out of service and other companies told me to dispute it with the credit agency and they will respond to the credit agency to have it corrected. The problem is this is damaging my credit worthiness and if it is inaccurate why is it allowed to stay there. They refuse to investigate inquiries even though the companies told me that they do not have a record of my applying for credit. This is an unfair practice creating damage to my life and the children I care for, when something that I am alleging is wrong will not be investigated. I believe if I request an investigation then they should be required to investigate as it is damaging my credit that I am in the process of repairing. If this is how consumers are to be treated then before something goes on my credit, I should be notified and have it taken care of right then and not later that causes the Trans union refuses. This is the only company out of the XXXX companies that does this. Is this not illegal, is this a fair practice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Other

Complaint: We are legally married for more than 10 years. Now I have Walmart store credit card for about half an year. I called Synchrony Bank who issued the card several times to add my wife XXXX XXXX as a joint account holder but they refused. We have same household and marriage certificate and a number of joint credit cards and joint bank account since 2004. It is absolutely unclear why my wife can not be joint account holder and may be only authorized user without supplying her SSN and report to credit story.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: In XXXX of 2015 I opened a credit card account with USAA because my Dad is a XXXX XXXX and I thought it would be a could company. My credit is good but a few bumbs but good enough to get loans. I was approved a {$4000.00} limit. A month or so later I opened another card with them that had a better interest rate it was also {$4000.00} limit. Both cards we almost maxed out but I had had many purchases being bought and returned. So it was always changing. I have worked very hard to keep my credit good and keep it get getting better. I made XXXX payment with them and then after I applied for an auto loan with them and was approved. Bought the car and was told that they suspected fraud and declined my loan after already giving me a blank check. XXXX. Who does that. I was approved through the dealer instead with no problem. I called USAA and they said all my cards were closed but would not tell me why. I said permanently? They said yes. They said it was because they were new and that they were almost maxed. I said isnt that the point ti use them? I have not been late with a credit card for over XXXX years. My problem is that they should not approve credit and expect you not to use it. They should not close your cards with out telling you why. They should not be able to affect your credit report when you have never been late or abused any cards in the past XXXX years. I have work very very hard improving my credit. This is not fair when I have not done anything wrong. They can keep their cards I could care less. I am paying them off asap. But I dont think they should XXXX my report with a status of closed when I did nothing to break the 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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Called Transunion to see the status of my investigation and to see why something was n't removed after the company stated they sent documentation as well as me submitting documentation.  Spoke  with  XXXX  in the special handling dept and she stated that at first it was not proper documentation to remove then she stated that oh she sees the letter from the company. As we discussed more accounts that should have been removed prior after to speaking to other reps she told me that there was no investigation on my account and she could start one. I told her that it should have been I sent proper documentation on  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . She stated only thing she is from  XXXX  and it was in reference to the letter. I told her I spoke with  XXXX  on  XXXX  concerning a fraud alert that I did not request and also a security freeze I did not request. Spoke with  XXXX  a supervisor on  XXXX  and  XXXX  and items as far as address, inquiries, and these disputes were supposed to been removed. I have copies of certified receipts mailed as well as fax confirmations for these dates. Please remove all inquires that do not hold accounts and all disputes that are listed on all correspondences attached. Transunion has been removing and adding products or information without proper validation which violates the FRCA.

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 Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX XXXX 2016 I disputed most of the credit inquiries on my Equifax credit report. All inquiry 's were determined to be factual by Equifax ( No proof of how it was determined even though I requested the proof ). However they are not valid. In fact one of the reported companies ( XXXX has even started the automated process to remove hard inquiry due to fraud.. Equifax has been called and notified of this, but refuses to do anything about it without me purchasing a credit program for XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Citibank/CBNA has re-aged my accounts. They should no longer be on my credit report due to the statute of limitations in Texas. Instead of removing them they have been reporting that I have been making payments in order to re-age both of my accounts with them. For one ( starting with XXXX ) they reported a payment as recent as XXXX of 2017 with XXXX. I have tried to dispute the accounts with each of the credit bureaus and was not successful due to Citibank stating false payment information. I have also faxed Citibank asking that they no longer re-age my accounts and delete them from all three bureaus.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is not my account, my ex-wife fraudulently opened the account right before our divorce. I have never purchased a vehicle from this car lot, nor will I ever. Multiple disputes have gone " verified '' - show me my VALID signature. EQ, XXXX, and " XXXX XXXX XXXX '' are ruining my credit illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with Alliance Data Card Services (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/XXXX XXXX XXXX, IL XXXX Comenity Bank/XXXX XXXX XXXX, OH XXXX Acct. # XXXX Dear COMENITYBANK/XXXX, I have recently received a copy of my credit report ( XXXX, XXXX, and XXXX ) showing a 30, 60, 90 day in early XX/XX/XXXX also a 30 late in XX/XX/XXXX. Quite frankly, other than remembering a periods in XXXX when I was briefly ill I have no idea how this oversight could have occurred. I am sure that you can see that my payment history with your company excluding this oversight has been impeccable. Again, I do not know how this happened as I am very conscientious about paying my bills on time. I would ask you to review my payment history with you and as a courtesy please instruct the credit bureaus to remove this very isolated incident from my credit file. These late payments is proving to create financial hardship for me. I have had a favorable experience doing business with COMENITYBANK/XXXX and look forward to continually doing business with your company in the future. 

I thank you so very much for your consideration in this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Student loan (Non-federal student loan) with Genesis Lending (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: i attended XXXX XXXX, Pennsylvania for diesel and fabrication in XX/XX/XXXX-XX/XX/XXXX and they told me that they could get me a job after i got out the school but here it is XX/XX/XXXX almost three years later and still no job of any kind and it was n't from the lack of trying on my own, and recently the campus i had attended was sold off and closed similarly to the XXXX, Florida campus, and with this being how is it that you expect me to pay back my loans when the school could not follow through on thier promise, and further more earlier this year XXXX ( XXXX collages ) was sued and forced to pay back the loans for the students who still had loans out but it dont cover private loans so now again you me expect to pay you back the money i borrowed under the schools advice which they adivse all their students to get XXXX and perkins so they are your biggest asset and now you have lost that asset due to thier own negligence to the students the people who are the reason you get a paycheck and if you dont take of this matter ill personally make sure no student in the future will ever use XXXX again so as to put you out of business but use of the internet and put you of work cause you are too GREEDY to help those who have wronged and lied to by their respective schools. 
hope to hear back soon

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 06/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion re-inserted previously deleted information regarding a collection item from XXXX XXXX of {$300.00} originally from XXXX XXXX, which is NOT a valid collection item as it was discharged in chapter XXXX bankruptcy in 2011. 
XXXX and XXXX have removed the XXXX XXXX. TransUnion removed XXXX XXXX item and then added it back.

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 11/21/2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (AR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This is an HSBC account from XXXX, and was settled back in XXXX with another collection company by the name of XXXX XXXX XXXX. I just started receiving calls from the company this week from a XXXX, they are leaving long messages advising they are trying to catch up with me, they are filing court documents, they have given me information about my car, my old residence as well as advising to get my license suspended for not paying the debt. My daughter reached out to HSBC XX/XX/XXXX to see who this company is because the company will not give out any information at all no addresses nor first or last names, they get very hostile with customers that they are trying to collect debts on. HSBC advised that there are no longer any accounts in there system for me and if the company is not willing to give any information about their company then its most likely a scam. My daughter reached out to this company who goes by XXXX XXXX XXXX which there is no information available on line about this company. And advised the same account number given was paid back in XXXX, the representative then advised her to send through email. My daughter then advised she will not she will like to get a physical address to mail, in return the rep sent her to a voicemail because she advised she did n't have the address. And said it will be quicker to just email the information to show the debt had already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Earlier this month, I was pre-approved for a mortgage loan. As part of the application, the mortgage broker sent me a summary of my credit scores from the  XXXX  credit-reporting companies that included factors adversely affecting the scores.  One of those factors was too many credit inquiries during the previous year. The only inquiries that I remember authorizing are by my bank for a mortgage pre-approval in 2016 and the most recent one by the mortgage broker. I was concerned, so I requested m y credit reports from the  XXXX  credit-reporting companies and learned that there have been multiple inquires by credit card companies and insurers, which I presume are used to market products to me. I never authorized these inquiries, and even thought I have a relatively high score, it seems unfair that inquiries by companies should adversely affect m y credit score.

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 05-10-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX was completely paid off, not just charged off. This shows as negative item on my credit report. The bill was paid in full, and I switched to XXXX 's competitor.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (MN).
Issue: Loan modification,collection,foreclosure

Complaint: illegal foreclosure

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DE).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I applied for deferment due to financial hardship and was denied even though I met the necessary financial requirements. Therefore, I defaulted because I was unable to repay my loan. This in turn affected my credit. After defaulting they offered me a 2 month deferment but only with the option of taking on the full payments again. I was unable to do that and now my credit has been affected and now my tax return will be affected this year as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with R & B Corporation of Virginia (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do not owe XXXX anything I returned the equipment and got a confirmation number.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (VA mortgage) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I am assisting a veteran complete a short sale on his home. Ditech is the loan servicer and its a VA Loan. I have submitted the short sale package along with an offer to Ditech XX/XX/2016. Ditech has failed to respond to the offer. I need assistance with this request. I have attempted to escalation this file with Ditech directly with no success and I called VA directly seeking assistance - but they did n't offer much help.

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