milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (WI).
Issue: Loan modification,collection,foreclosure

Complaint: Due to financial constraints, and holding on to my property post the height of the economy ; I opted to try to sell my home to get out from under it. I purchased my home in 2006, the value of the home is barely what I purchased it for. I purchased it for {$270000.00}, appraisal is for {$280000.00} with all the upgrades in the last 10 years. I had a buyer with an offer of {$270000.00}. The offer was accepted by the first mortgage and denied by the second mortgage, therefore forcing me into forclosure and ultimately bankruptcy. The load was a fannie mae dictating how much money would go to the second mortgage. The system is broken. I thought things were better to support this type of situation. How can a bank deny the sale. How can a bank deny the sale based on " principle '' as they said to me. They would rather have nothing than the amount offered to them.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar acquired our mortgage from XXXX in XXXX of 2015 and immediately began showing delinquency of monthly payments, which was not the case. They then began sending me letters indicating payments were missed altogether and further action would be taken to collect the debt if this was n't corrected immediately. sent statements showing two months worth of payments were due even though their own transaction history on the website showed no missed payments and all payments completed. To make matters worse, my credit report now shows XXXX missed payments and several late payments and has ruined my credit worse than it already was. Each month I receive a nasty letter saying my payment has n't been received, even though it has been deducted from my account and shows up on their own transaction history. attempts to contact them have been completely futile as the XXXX or XXXX person on the phone barely understands me nor I them. My last actual conversation with them was a XXXX minute explanation by me of their own transaction report showing all payments made and absolutely no comprehension on their part of what I was trying to illustrate. I 'm ready to sue and have consulted with an attorney on the matter, but my costs will be ridiculous in order to get this matter resolved. Please help if you can to clear this up. I feel as if the company is not a mortgage holder, but a debt collection agency which is trying to squeeze something from me they are not entitled to. I never had a single issue with XXXX by comparison, but these people need to make it right and stop harrassing me about their own incompetence. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Application, originator, mortgage broker

Complaint: Initially I had applied for jumbo loan and Chase issued me GFE. Later they changed my loan type to conventional but not issue me GFE until the closing table. 

Chase thinks they shared GFE with me but I never saw the GFE numbers till closing table. 

Per XXXX/, Chase is required to issue GFE within three days of application. Else they can not charge any closing costs. But they charged bunch of closing cost items. 

Hence I need all closing costs refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been disputed Tax Liens that was reporting on my credit as a Public records, and the information is not valid. I have Disputed this information with Equifax Several times and the results came back verified correctly. I have supported documents that supports that it has to be remove and delete and never it did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: inquiry not removed

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with Social Finance, Inc. (NY).
Issue: Getting the loan

Complaint: SoFi sends monthly mailings to potential customers telling them they are pre-chosen for loans at enticingly low rates ( 8.95 % ) based on their credit history. The word " preapproved '' is all over their emails and website when you begin to apply. Those mailings fraudulently suggest that the customer has merit advantaging them in being actually approved for loans at those rates, and instead SoFi uses an unusual, highly-selective review process that cherry-picks from those preapproved customers who apply based on the advertising of those mailings. 

This practice hurts consumers like myself who are trying to improve their credit. Potential borrowers like myself receive these mailings are enticed to apply because the offer is *apparently* too good to be true, and instead we waste a hard inquiry on our credit report. The substance of my financial position has actually improved since I first started receiving these mailings a year ago, but that had no impact on application. 
Most importantly, when I asked why my loan was denied, I was told by SoFi that it was because I had a missed payment on my credit history. However, I know the date that SoFi made the hard credit inquiry ( once I had submitted my application ), and they came back to me AFTER that Inquiry and asked me to supply more financial documentation not originally asked for in my initial application. I did so. And then they denied my application. So they already knew my Credit History had a blemish and continued to process the application. SoFi 's rep XXXX told me having a missed payment on my credit history automatically precluded me from being approved, but if that was the case, they would n't have asked me to supply additional financial documentation after SoFi was in posession of my full credit history. SoFi 's explanation does not hold up against the evidence and timeline of my application process. 

This leads me to believe SoFi has built a website to automate lending that is falsely advertising and defrauding consumers like myself. 

Received Mailings : XXXX, monthly Reviewed, Began Application : XXXX/XXXX/XXXX Received email from SoFi reaffirming I was " preapproved '' and encouraging me to complete my application : XXXX/XXXX/XXXX Submitted Application : XXXX/XXXX/XXXX Hard Credit Inquiry : XXXX/XXXX/XXXX Asked to submit additional documents to support my application : XXXX/XXXX/XXXX Application denied : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Does n't want to help me adding land taxing or land inspection to mortgage on ever paper every month I need help low it or get it back to something that is not add on but they are adding land in section on my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The XXXX AZ, office management issues during name change and company being purchased ... drops the ball for tenants moving out during their remodel and company change. New office employees were managing the office and promised to complete my rental history request to my new landlord and accept this as my 60 day notice of move out. The office management staff after submitting the request failed processes my move out request. I made several attempts, after receiving my approval for my new location, returned to the office ( as they were remodeling advised me documents were boxed up and some documents at an alternate location. ) requesting my emailed or hard copy of my rental history document which would be used as my signed confirmation for my move out. The XXXX XXXX. even after me and my spouse completing our exit walk through has applied to my credit report a one month rental charge and additional fees alleging our notice was not submitted. The New Company is now called : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Other

Complaint: I made application with Bank of America for a credit card on XXXX.I have a fraud alert in my account and called the bank at XXXX XXXX at XXXX XXXX XXXX to confirm that they had not called me at the XXXX XXXX XXXX number on my account to continue the application. the line is a land line number.I was also given another number to call XXXXwhich I called on XXXX XXXX at XXXX XXXX and XXXX. I was told that I needed to call thebank from the phone number. I was having problems with my internet connection ( my land line works via the internet and I was able to recieve calls via voice mail but I was unable to make any calls..I also called another number that was provided to me XXXX XXXX XXXX at XXXX on XXXX XXXX and XXXX on XXXX XXXX. On the XXXX I made the change with the credit bureaus to list my cell number of XXXX XXXX XXXX on my credit reports since it was going to take several days to get the land line connection fixed. 
on XXXX XXXX I was told by Bank of America that the credit card was approved. I WAS NOT told that they had run XXXX credit reports. I WAS VERY CLEAR that only XXXX credit report ( hard hit ) was to be pulled.Now on my credit reports it is showing Bank of America made XXXX hard hit inquirys on my credie report on XXXX XXXX and XXXX to XXXX and XXXX on XXXX XXXX to XXXX. This is so wrong! my credit score is excellent with all XXXX bureaus and making application for a credit card should not require XXXX hard hit inquirys. To be penalized because I have a fraud alert with the credit bureaus is wrong!. I spoke with a representative from Bank of Ameical yesterday ( XXXX ) she told me I authorized the additional inquiry and it would not be removed. I told her that was not true and the XXXX additional inquirys needed to be removed. I told her I wanted the record to state that I did not authorize the additional inquirys. she told me she would not add this to the file. This si so wrong. Bank of America has done this in the past. They are very casual when it comes to making hard hits on peoples credit reports. I was very clear that no additional hard hits were allowed. They record their messages and should backtrack on the conversations I had. The hard hits will lower my score and this in turn will affect what I pay on the XXXX insurance policys I have. I want the XXXX hard hits removed or to be reimbursed for the increases that I will oncure with my insurance going up.

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 09/13/2016 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (FL).
Issue: Application, originator, mortgage broker

Complaint: My husband and I was looking for a bank that offered first time home buyers program and I saw an advertisement from EverBank that they offer such program. I called XXXX XXXX Mortgage Loan Officer XXXX # XXXX. I emailed all my husband 's pay, tax info and my daughter 's social security information. After submitting all our information, if was extremely difficult to contact her. I sent out email, and left several messages on her answer machine with weeks would go by and would n't here from her. I had to call main office and have them contact her. When I finally contact her, XXXX XXXX said she needed a letter from social security stating that my daughter will received benefits for the next three years. I went to security and told them what XXXX XXXX wanted, I was told by security that they will never write any such letter, that and XXXX XXXX needs to real their website rules and regulations on social security. We were unfairly denied a mortgage. We went to another lender and was approved for a loan using the same social security information. XXXX XXXX treated us unfailly during this whole process of this application.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i recently found 7 accounts are not belong to me and was fraudulent listed on my credit reports with EXPERIAN, XXXX & XXXX the accounts listed as : ( ( 1- ) ) Account Name : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 3- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 4- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 5- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 6- ) ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 7- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX

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 10-10-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I thought that lenders - for any loans, not just student loans - were required to provide timely and accurate billing statements. I am attempting to re-finance my student loans currently serviced by Navient, and much to my surprise there is not a way to access your billing statements via their web portal. I have been on autopay for years, and not had a reason to look for a statement, but I am appalled at how difficult it is. It is hard not to wonder whether they are hiding something. My guess is that they want to make it difficult to re-finance with another lender, and they know that is more than likely the only reason you would be accessing billing statements, so they make them difficult to obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Vehicle loan or lease (Lease) with JPMORGAN CHASE & CO. (CT).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint: TO WHOM IT MAY CONCERN - I HAVE BEEN TRYING TO RESOLVE A DEBT SHOWING ON MY CREDIT REPORT FROM CHASE. THIS HAS BEEN RESOLVED IN THE PAST BUT IS STILL SHOWING ON MY CREDIT REPORT. ONCE THE LEASE WAS UP IN XXXX XXXX, MY LOAN WAS TRANSFERRED TO XXXX XXXX. I WAS TOLD ANY AND ALL OUTSTANDING TAXES WOULD BE INCLUDED IN THE TRANSFER WITH THE PURCHASE OF THE LOAN. THEREFORE I DO NOT OWE CHASE BANK ANY FURTHER FUNDS AS THE BACK TAXES WERE INCLUDED IN MY BUY OUT OF THE VEHICLE LOAN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: The borrower submitted a loss mitigation application to America 's Servicing Company ( " ASC '' ), which denied that application and communicated that decision in XXXX letters, each dated XXXX XXXX, 2015. The borrower, through counsel, appealed that denial on XXXX XXXX, 2015. ASC then denied that appeal by letter dated XXXX XXXX, 2015. The same personnel that reviewed the loss mitigation application and signed the XXXX XXXX denial letters also reviewed the appeal and signed the XXXX XXXX appeal denial letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Private student loan debt) with Javitch, Block & Rathbone LLC (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Replied to my previous CFPB complaint with a false statement about when they first contacted me about the debt, insinuating that I did not request validation within 30 days which is not true. 

Did not explain why they will not provide the validation documents I am asking for. They even detailed what they are going to send me but what I have asked for three times now is not included. 

They also, instead of contacting me about the CFPB complaint, sent debt collection notice to my mother. 

They continue to insist that they have the proper documents to sue me despite being barred by the CFPB. However, they refuse to send me what I keep requesting. 

Then their attorney asked me to contact him with questions but did not give his contact info.

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 10-03-2016 about Bank account or service (Checking account) with U.S. BANCORP (AZ).
Issue: Account opening, closing, or management

Complaint: My bank account had been appropriately set up to not incur a monthly fee on XXXX XXXX, 2016. Furthermore, at that same time I became aware that I was due a refund for prior years of monthly maintenance fees. US Bank sent me a response letter dated XXXX XXXX, 2016 with a pamphlet showing and supporting that I should not be charged a monthly fee. However, contrary to the advertising materials, and the accuracy of my account as of XXXX XXXX, 2016 ( rightfully placed into the XXXX Checking with no fee due to additional requirements met ), US Bank, on their own accord, switched my account back to a fee charging account. This action by US Bank is not supportive of their advertising materials, and is taking their own actions that are more advantageous to the bank and not in accordance with their written materials.

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 11-02-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I was recently made aware that my name and financial information appears in a WELLS FARGO Loan Modification of a property I had, about 10 years ago, signed off to my ex partner and our children. I was under the impression I had no legal matters in this property since I had signed the Quit Claim Deed and financial responsibility papers, but apparently my ex processed the papers to take me out of the title, but not out of the loan. She then found herself having to apply for a loan modification, and the bank allowed her to process it without my knowledge even though apparently my name is still on it. I appear as the principal borrower, since my ex does not have an income, but nevertheless I was never contacted, I never signed any papers and never provided any income verification or any information whatsoever. I have tried many times to get an answer from WELLS FARGO by phone and also by walking into one of one of their branches, but all I get is a lot of unacceptable excuses. By phone I am told that since I do not appear on the title, I did not have to sign the loan. I have requested the Loan Modification papers that were signed, and all I get in the mail are papers unrelated to my request. When I walked into the branch, the person that was helping me with my questions quickly called the manager, just to hear from her that they could not help me there. I asked to be given the address of the office I need to go to, and her response was that there was not such a place, that the modifications were done by phone and that there was no physical place I could go to. She then proceeded to asked me to leave because she had others to attend to. I was even escorted out.

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 04/13/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I submitted my original dispute to Equifax and XXXX and was told by phone that the dispute was never started but they sent results saying it was completed and will remain. The documents I sent to them were never uploaded for a dispute. It was an XXXX mortgage t originally through XXXX XXXX XXXX the 20 % has been deleted from all XXXX bureaus. XXXX XXXX is the only bureau that has deleted the 80 % ( XXXX XXXX ) and the 20 % ( XXXX ) for both creditors the fraudulent mortgage from my report but Equifax and XXXX did not delete the 80 % and have not even scanned in my supporting documents but they keep saying the information should remain. Date of delinquency has been over 4 years and should be removed according to Texas State law. The house is being reported as foreclosed and it has not been foreclosed and is in a 3 yr. pending litigation with the supreme court . I do want the home if the bank wants it I just want it deleted from my credit file because its being reported fraudulently. Also XXXX is being reported fraudulently as well. I provided my final divorce decree showing the debt belongs solely to my ex-spouse and the credit bureaus and XXXX refused to delete it from my file.

Company response to consumer: Closed with explanation