milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2017 about Mortgage (FHA mortgage) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX of this year, I had reached out to Capital One for pre-approval for a mortgage. I was received a pre- approval letter stating that I was approved for a conventional loan for up to XXXX with XXXX down. I found a home and put in an offer and went into contract. This is where the issues began. Upon completing my application the loan officer ran my credit and my score came in at XXXX. Prior to my pre-approval my score was XXXX. I asked my loan officer why my score was different as they are the only ones who have touched my credit. I was never able to obtain an answer regarding this from the loan officer and her boss. I was advised that I would only qualify for an FHA loan regardless of what I put down. I was advised that I could not put down a lesser amount even though FHA guidelines state that I can put down XXXX. There was an appraisal issue with the home which me and the seller resolved. I changed my down payment amount the XXXX. So during the underwriting process I was given many different figures and then was advised that I need to put down XXXX and pay off my vehicle at closing and I can close on XXXX. Then I was told the next day that I will have pay off my vehicle with my bank. I talked to my loan officer who couldnt give me answers so I contacted their manager. He promised that I could close on XXXX and pay my vehicle at closing. The next day I given a document that didnt have the right numbers and was asked to acknowledge and sign. I refused and my loan officer advised that they will look into it. Then I was advised to put XXXX down and then XXXX down and pay off my car again. I took my concern to the loan officer 's boss and he advised that they are fixing the problem and they could not give me numbers until XXXX even though I am supposed to close on XXXX.They refuse to provide me any accurate documentation and gave constant misinformation numbers and approvaI. I ended up ending the contract to purchase the home and discontinuing the loan process. 

I had previously filed a complaint with the BBB and Capital One refused to take responsibility and provided false information in response to my complaint. 
The reason I am writing to your organization is that I was a victim of predatory lending. I am also writing to report their deceptive business practices. 

Attachments : I have attached two different email chains : Closing Disclosure : This is conversation with the loan officer about the closing disclosure that they ( capital one ) asked me to sign with the wrong amounts. 
Agreed Closing Amounts : This document had the down payment amount and closing date that I had agreed on with Capital One before they changed it two days prior to the closing date. 
I have also included their response to my BBB complaint that did not provide factual information. My rebuttal to this complaint is attached as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Enova International, Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: XXXX/XXXX/XXXX my personal info was used to get a loan out with net credit without my consent by XXXX XXXX XXXX

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 07/20/2016 about Mortgage (Other mortgage) with STME LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I have signed a contract stating that, the seller of the property I am buying can refuse unreasonable offers, over the specified monthly payment. I have placed my home on the market and am in escrow. I have been told, as well as the title company that the home ca n't be sold, if she refuses. The reasoning is due to taxes that would have to be paid for capital gains. I have consulted an attorney - been advised that this is very close to crossing lines, since the seller is an attorney who is selling homes, loans money, etc. Multiple emails have been sent to the seller, with no response ; until pay off information was requested by title company. I was told that if she knew I was going to end up selling, she would have charged me more to buy the house. I had previously requested a home equity loan, and was given a XXXX separate loan, so I am now paying additional interest on the home. Apparently, because this person does n't want to pay additional taxes, I am not able to sell my home, obtain my equity so I can move on in my life. She is expecting all of the people who are under contract with her company to stay in their for 30 years at a high interest rate, rent the home out, have someone assume their loan, or give the property back, so that it can be resold at a higher rate. The homes are as is, I have found out that there is an oil tank in my back yard that has not been decommissioned, and the house is over XXXX XXXX XXXX, so I am not the first buyer of this property. Also, I have recently found out that paperwork has not been filed, showing proof that I am currently purchasing the property. When I did have someone who was interested in assuming my loan, the current seller wanted to charge me {$350.00} to file the paperwork. According to the title company, nothing has been filed on my home purchase and I have lived in the house, paying taxes for the past 5 years. The list goes on and on.

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 09/22/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I feel that towards the middle/end of my school career, my student loan officer did not assess my ability to repay the loans properly and that my accumulated loan debt was not factored into the calculation. With the high interest rates of the loans, the accumulated loan debt, the amount of time/number of classes I had left to complete my degree and the type of degree I was working towards - there 's just no way I could graduate and make the kind of money required to be able to comfortably pay off the loans. I would have had to forego basic necessities to be able to afford the loan payments. I was just to naive at the time to realize the student loan impact at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Checking or savings account (Checking account) with U.S. BANCORP (TX).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: My home has been under construction for a major sewer leak since last  XXXX   XXXX . I was unable to live there due to the fact both bathrooms had to be torn apart to get to the leak. During the time I was not living in my home at  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX , someone started strealing my mail and somehow got into my house and obtained my information from my files and stole my identity. They opened accounts and they made ppurchases withthe account I had with  US BA NK. This wen on for abo ut six months. THey would even have the purchases sent to my address. US  Bank closed the account in  XXXX   XXXX . THey issued me a check for the remaining funds in the account after the disputes for all the transactions were completed.   Since then,  XXXX  wo Times,  once on  XXXX   XXXX ,  XXXX  and the other on  XXXX   XXXX ,  XXXX . They have reopened this account to allow more transaction to come through for some reason, and even paid them. Leaving the account overdrawn and accessing overdraft fees for the transactions and then charging me a fee of {$30.00} to close the account again. Twice.   The first time on  XXXX   XXXX ,  XXXX  the total amount of transactions an fees totaled {$310.00}. They took this money out of another account I have with them to satisfy the negative balance. Then closed the account.    XXXX  on  XXXX   XXXX , they re-opened it again and posted more transactions and fees totaling {$200.00}. They are sending me demand for payment for these charges and fees now, and they are reporting the account to reporting agencies such as  XXXX , which are preventing me from having a checking account because the new accounts I opened with  XXXX  are being closed due to the file that EWS has on me regarding th e US Bank  account.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On the XXXX of XXXX I contacted the credit reporting company after reviewing my credit report. I noticed that there were various addresses on my report. I let the representative know that I had submitted a police report last XXXX in order to get several items removed from my credit as well as the various addresses removed. The representative continued to inform me that I was wrong about my information. The only address is the one I have had for years is this address. This is the address on my license. This is the address that my vehicle is registered to. This is the address my children leave home from school to and come back home to. This is the address my work and insurance documents come to. Please remove all addresses from my XXXX report that is not the address stated on my license.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Have XXXX on my credit report there is no XXXX in my area, plus have not had cable for almost 2 years. Was not me. Have been a victim of identity theft in the before, might be related. Person who stole my identity was prosecuted. Please remove from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (AE).
Issue: Billing disputes

Complaint: XX/XX/XXXX - charge from XXXX Issue billed to my credit card. About XX/XX/XXXX I paid credit card in full. 
XX/XX/XXXX - I noticed charge from XXXX Issue and called USAA to inquire because credit card balance should be {$0.00}. USAA agent reviewed and informed me that charge is recording and credit will be issued to reverse the charges XX/XX/XXXX - Security adjustment issued to reverse first charge XX/XX/XXXX - Security adjustment issued to reverse second charge credit card closed sometime around XX/XX/XXXX new card issued XX/XX/XXXX - USAA undo one of the security adjustment and transferred the charge to new credit card. USAA agent explained that the first agent made an error and I was not entitled to two security adjustments. When I asked for copies of my statements to review the charges I was told I had to pay for it and each will cost around {$15.00} or there about. So I was issued only one credit though there were two charges ( XX/XX/XXXX and XX/XX/XXXX ) XXXX/XXXX/XXXX - charge from XXXX Issue appeared again ( all charges from XXXX Issue were for the exact amount ) XX/XX/XXXX - Security adjustment issued and new credit card issued XX/XX/XXXX - USAA reversed the security adjustment and transferred the charge to the new credit card. 
It is now XX/XX/XXXX and I have been trying to resolve this issue with USAA to no avail. I received notices that I need to pay the charges to include interest, to protect my credit. I called USAA numerous times in an effort to get a solution. I last spoke to an USAA agent - XXXX ( XXXX # XXXX ) who promised to have the matter clear up in 3 business days, before that I spoke to USAA agent XXXX on XX/XX/XXXX @ XXXX and was promised that the matter would be cleared. Before XXXX and XXXX, USAA agents have cut-off phone call, promised to clear the issued, explained that I was incorrect, promised to investigate and get back to me, transferred my calls to fraud section, supervisor, senior analysis and in 10 months that I have been trying to get a solution still nothing but notices in the mail that amounts to harassments. Notices that tell me that additional transactions will be declined, rewards points will not be honored and that late fees will be charged. 
Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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: The credit reporting bureaus are reporting a state tax lien that should have been deleted. They are still reporting a state tax lien on my credit report after several request for them to delete this 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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XX/XX/2017 - XX/XX/2017 I contacted and disputed with Equifax credit bureau sending them certified and notarized letters. Asking them to verify how this accounts belongs to me, and why are they reporting this inaccurate accounts on my credit report. They have yet to send me any information verifying the account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: synchrony bank /old Navy has been reporting a fraudulent account on all three of my credit reports for years now. # XXXX this account was not opened by myself nor used by me. I was not at the address they supplied me, at the time they claim an account was opened and used. I 've asked repeatedly for a signed application or signed receipts showing my signature. they have refused to supply this information. this fraudulent account is preventing me from obtaining new credit and is damaging my good name. it seems very stressful and upsetting. I have an old Navy account that I did open myself this year that is in very good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: The  Bureaus i s reporting a bill of {$5000.00} as unpaid by me. The Superior Court of the State of California,  XXXX  County, ordered in my divorce that the bill be paid by my former husband  XXXX   XXXX   XXXX .   I have supplied a copy of the court findings, and names and addresses of the Executor of his  Estate to the Bureaus. At that time I explained to the Bureaus that there was plenty of money to cover the debt. The Bureaus failed to follow up on this information and was negligent in trying to collect the money. The refore they should not be allowed to report it as my debt.    Respectfully   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Class Financial (TX).
Issue: Confusing or misleading advertising or marketing

Complaint: Contaced by text message to my cell phone with the following unsolicited message from XXXX : You Have Been Approved For Forgiveness Of Your Federal Student Loans But Your Application Is Incomplete. Please Call Our Office At : XXXX To Complete Enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (ID).
Issue: Loan servicing, payments, escrow account

Complaint: We did a wire transfer to pay off our Mortgage with Nationstar Mortgage for XX/XX/XXXX they are charging us interest for the month of XXXX and it appears they took the PMI payment out of our escrow We contacted them and asked why this was not processed on the XXXX and we were told it would be done on the XXXX and release the lien and keep our interest. once they were further questioned we were put on hold and they did not return

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX my last four of my ss # XXXX Date : XX/XX/XXXXConsumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX To whom it may concern, I have been having a problem with TransUnion credit reporting. I have been working very hard to rebuild my credit score and my XXXX credit card is  a secured one they are looking at my credit for many things to turn my secured card into an unsecured card. This problem that has been happening with my one credit card XXXX XXXX XXXX. For the 1st three months everything has been correct XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. Than I have been paying attention to my monthly updates and all of the sudden they stopped updating XX/XX/XXXXand XX/XX/XXXX and started a dispute with TransUnion as they said XXXX XXXX stopped sending them report monthly onXX/XX/XXXX. I had a printout from them showing myXX/XX/XXXX balance of XXXX which was correct. All of the sudden onXX/XX/XXXX I found out the balance changed to XXXX after many phones call many difference people who kept saying XXXX XXXX reported to them the balance of XXXX. Which was false finally I reached 2 supervisors one did fix my balance her name was XXXX and the other that was going to help before XXXX took over was XXXX. She fixed my balance to XXXX on XX/XX/XXXX. I only found out FridayXX/XX/XXXXagain the balance went back up to XXXX. TransUnion has been claiming XXXX XXXX is not reporting and XXXX XXXX resend my full history to them on XX/XX/XXXX plus they said they never got the disbute from TransUnion done onXX/XX/XXXX even as of today (XX/XX/XXXX ). TransUnion today told me they were fixing the balance again to XXXX. But the last time XXXX told me she had to get there IT dept. to fix this. Today also now TransUnion is saying to tell XXXX XXXX to contact their marketing dept. to have them fix this issue. But XXXX XXXX said that is not the problem. The following documents are attached : My letter to TransUnion Dated XX/XX/XXXX ; My credit report page from TransUnion from XX/XX/XXXX( which shows my balance of XXXX and 3 months of history ) andXX/XX/XXXX showing again the balance of XXXX inXX/XX/XXXX. My XXXX XXXX page showing my balance XX/XX/XXXXwith XXXX. My Statement with XXXX XXXX XX/XX/XXXXandXX/XX/XXXXwhich shows opening balance of XXXX fromXX/XX/XXXX. <P/>Sincerely XXXX XXXX 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 non-monetary relief
Consumer complaint received 11-05-2015 about Payday loan () with LDF Holdings, LLC (CO).
Issue: Charged fees or interest I didn't expect

Complaint: I received a loan from Send Loan for {$600.00} and was unfer the impression that I would only be paying back that amount plus some interest. I see now that they plan to debit my account every 2 weeks for {$190.00} until XXXX of 2016 which makes me paying back over {$4000.00}. There is no break down on the repayment schedule as to what is interest and what is the primary amount. Plus I can not get them to provide me with anything that would give me that information. I would have never taken out a loan that would require this type of repayment. Plus now I see that it is illegal to lend anything over {$500.00} in the state of Colorado. Please let me know what steps I can take to resolve this problem. 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with ARVEST BANK GROUP, INC. (MO).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I had a secured credit card tied to a {$1000.00} CD that was supposed to mature at the Annual Rate with 350 % Interest payment, instead when I applied to cash in the CD and apply the balance to the credit card both transactions were disapproved without reporting why. I have mo idea since the business card does not report to credit agencies. I have never been able to get one loan, credit card, or any business funding out of Arvest Bank, I believe due to discrimination. 

In this transaction they disapproved the transfer of the CD to pay off the balance even though I have paid of the balance at least 5 to 7 times during the one year period. I have used the card for over XXXX in purchases. What makes the matter worse is getting a CD statement that says I was paid 150 % Interest per quarter giving me XXXX for a year. As a business man I would have never agreed to those terms in fact I know it was a lie because on XX/XX/2017 the day of maturity I was to there was XXXX on the card with XXXX dollar interest payment but the statement said differently. This was of course why it took 9 days to get a decision on the transfer meaning one more day I would have been stuck with the CD as collateral. Instead I closed the credit card and the CD and Arvest says I owe them {$110.00} I say I owe XXXX. 

They first violated the contract saying in a year I would get a regular card and could apply the CD to the balance. then took 9 days and emails to the CEO to get a letter emailed to me with their decision. We filed complaint with the company we have heard nothing 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