vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo denied my refinance application saying that I was " too old and too sick ''. They gave me a denial letter saying that I was refused because of credit and too many inquiries, however, in person Wells Fargo told me that the underwriter would not put her name on my loan because I might die and it would come back to her. Multiple times during the application process, I was also questioned repeatedly about if I wanted to apply for a shorter term loan ( less than 30 years ) even after I made it clear that I wanted the lowest monthly payment possible. 

My loan officer had taken my loan application and felt confident that there would be no problems, but then left to go on family leave leaving my loan in the hands of the processing team and branch manager..

The processing team kept asking me for more and more documentation ( which I later found out was unnecessary ) and the whole process took about two months before I was finally denied. The processing manager summarized the reason for my denial by saying that I was " too old and too sick '' in the eyes of the underwriter.

I have made a written request of Wells Fargo to provide me with a " disclosure of the nature of this information '' regarding its credit decision which was supposedly in accord with information provided to Wells Fargo in a XXXX  Credit Report and pulled through XXXX. This request was made in accordance of the Fair Credit Reporting Act and in connection with Wells Fargo 's " Notice of Action Taken and Statement of Reasons ''. 

To date, I have not received this information from Wells Fargo and I am now requesting it again through CFPB in hopes that they will respond. 

Also, Wells Fargo took money from me for an appraisal. They took this money had the appraisal done and then discriminated against me. I want the appraisal fee to be refunded to me immediately. 

Also, I want Wells Fargo to look into its underwriting and lending practices. I want to know why the Wells Fargo underwriter and processing team did this to me when it is against the law. 

To be clear : I applied for a loan with another institution immediately after Wells Fargo denied me and closed on that loan in 19 days. I had was and am a viable borrower/applicant. In fact, I qualified for a higher loan amount and received a conforming A paper mortgage.

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 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I was quite alarmed this morning when I went to confirm my bank balance in anticipation of a large purchase I was making and found that my balance was quite a bit lower than I expected. I looked at my transactions and found that my mortgage servicer had debited my bank account twice for my mortgage payment. My payment is debited automatically, a process encouraged by the servicer when initiating the mortgage. 

I contacted the servicer and asked what was going on and they indicated that all of their customers who had automatic debits for their mortgage payments were experiencing the same thing ; their bank accounts had been charged twice for their mortgage payments. I asked to speak to a supervisor who had no more information on why and how this had happened and when I asked to speak to a manager I was told that there were none present because it was too early in the morning. 

Since this servicer has hundreds of thousands of customers and I would suspect that a large number of them have auto debit for their mortgages, the total dollar amount involved would be considerable. Is this a scam? When will my money be replaced?

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 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Nationstar Mortgage ( d/b/a Mr. Cooper ) has cashed all of our insurance checks we received for damage on our home from Hurricane Irma and from plumbing floods. Those checks total {$190000.00}. Nationstar has had the bulk of that money for 6 months, with another {$78000.00} in the last month. They have refused to disburse funds to us, except for {$37000.00} after we had already spent {$90000.00} of our funds. We submitted all the documents they asked for. We have been financing the repairs at 5.75 % using an equity line on another home. The loan to value ratio on the house is less than 50 %. The loan is approximately $ 300K and the value of the house is approximately {$660000.00}.

We have spent countless hours on the phone ( mostly on hold ) and have sent faxes and emails and have gotten no response. This is a deliberate plan to hold our money, even after the work is about 75 % complete. They sent an " inspector '' who spent 5 minutes, took a few photos, then demanded I sign a blank form as to the current status of the repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
For whatever reason, this account has been nothing but a nightmare. My account was somehow " delinquent '' and showing as so on my credit report but in fact was due to XXXX XXXX system and error. I brought this to their attention multiple times, they agreed and accepted this fault and removed the info. I just got a notification that I have a new delinquent account because they for whatever reason put these old " negative '' remarks on my credit report which caused a major issue with my 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 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
For whatever reason, this account has been nothing but a nightmare. My account was somehow " delinquent '' and showing as so on my credit report but in fact was due to XXXX XXXX  system and error. I brought this to their attention multiple times, they agreed and accepted this fault and removed the info. I just got a notification that I have a new delinquent account because they for whatever reason put these old " negative '' remarks on my credit report which caused a major issue with my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
For whatever reason, this account has been nothing but a nightmare. My account was somehow " delinquent '' and showing as so on my credit report but in fact was due to XXXX XXXX  system and error. I brought this to their attention multiple times, they agreed and accepted this fault and removed the info. I just got a notification that I have a new delinquent account because they for whatever reason put these old " negative '' remarks on my credit report which caused a major issue with my 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 non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: MD

Complaint narrative:
Hi Good Afternoon, On XX/XX/XXXX in response to an advertisement I received from Moneylion, I signed up and was approved for a cost-effective short-term loan of {$600.00} at a 5.99 %. I reviewed in great detail every section of the contract ( attached ) before signing. I was told that {$23.00} would be deducted weekly ( every Friday ) for 26 weeks, with a total payment of {$600.00}. 

After the first withdrawal on XX/XX/XXXX, I noticed a second withdrawal on the same day for {$31.00}. And this occured the following week as well - {$23.00} + {$31.00}. When I inquired with Moneylion, I was then informed that a membership fee ( that was initially advertised as {$79.00} initially ), is actually a recurring fee for the entire duration of your repayment, bring a total membership fee to {$31.00} x 26 weeks = {$830.00}. Nowhere in my contract was this ever stated or brought to my attention during the enrollment process. I am certain I would never sign up for this having been told so at the onset. 

I have since blocked the additional payment of {$31.00} as this was never communicated to me, but I shouldn't have to do so. This behavior is predatory and traps people into paying far more than is advertised.

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 2018-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I started using XXXX as a company I deal started using this as the only form of payment. The app work great for the first 2 months. On XXXX18 I was notified that a payment sent to me was returned. I contacted XXXX and talked to several Reps who stated they did not see a problem but would " tweek '' the account. Several hours later I was unable to log into my account. Again, after speaking with several reps I was told I was no longer eligible to use the service. When I inquired as to why was there a problem with my bank account or debit card so that I could try to correct the problem. I was told they could not/would not tell me only that I could not use the app. I was totally surprised as they did not want to help, only cancel my account. This is the only was the company will pay me. They treated me rude and would not tell me why they deleted my account. They also first refused to let me speak to a supervisor. When I finally did speak to one she stated she could not go into detail with me and there was nothing more she would do.?? I was wondering if my account was hacked or compromised, but again she would not tell what the problem was, only that " I '' could not use the app. I have good credit and am financially sound. There are no reasons I know of to be treated this way

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Received a notice from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX, Telephone Number XXXX, website : XXXX  executed by XXXX XXXX, Division Manager. The letter references an original creditor with the name " XXXX XXXX XXXX XXXX '' Original Account NoXXXX XXXX, MCM Account No. XXXX, Current Balance {$490.00}, Current Owner XXXX XXXX XXXX

I have never had a mortgage or any other type of loan with either " XXXX XXXX '' or " XXXX XXXX '' This is an attempt to scam me into paying a debt that I do not now, nor have I ever, owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I was approve to start the refinance process onXX/XX/XXXX. Today on XX/XX/XXXX they notify me that the property is no longer FHA approved and they can not proceed. There was a lack of communication throughout the process. They should have inquired in the beginning of the process rather than towards the end. I've asked them to review my phone conversations and to review lack of transparency from the staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello there, My name is XXXX XXXX and I recently applied for a home loan. When the lender tried to pull my credit report, they noticed that Equifax report says that they can not fin my social security number on their records. I was suggested to contact Equifax which is where my nightmare starts.

I first contacted Equifax onXX/XX/XXXX to see if they have my social security on file and they confirmed they dont have the social security number that I am using for my work and credit card for the past 3 years. They suggested me sending a copy of drivers license and a copy of SSN card through FAX. I sent the documents on 3 separate occasions - on XX/XX/XXXXXX/XX/XXXXand XX/XX/XXXX. They did confirm receiving of document however they are not able to update my SSN on their files and suggested various solutions when speaking with different call center folks : 1 : Solution 1 : My SSN card says Valid for work only, try and get a SSN card that does not say this - I am on a XXXX XXXX and as per the social security administration which is also outlined here https : //www.ssa.gov/ssnumber/cards.htm the only type of SSN i can get is the one which says valid for work only. So this rules out the option of me being able to get a new card 2 : Solution 2 : Contact my credit card companies and have them send over the right information to Equifax. I contacted my credit card lenders - XXXX XXXX  and XXXX and both of them confirmed my personal details and SSN number and they are reporting these details to all credit reporting agencies.

So basically after 10-15 calls to customer service reps on Equifax and faxing of documents and confirming from my banks that they have my SSN on file, I have reached a dead end where I not sure what to do to just get my SSN on equifax records. Isint this the most basic thing that is needed for employment or for getting credit card? How can it be so difficult to just update the social security.

I am running against time and the possiblity of not getting a loan at all because of this issue and I still dont have any clue on why equifax doesnt have my SSN on records. Was it something related to their hack? who knows. WOuld appreciate help on this matter.

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
I/we have been in an adjustable rate mortgage 5/1arm since XX/XX/XXXX at an initial rate of XXXX  fixed for five years tied to the LIBOR rate and indexed at XXXX plus the LIBOR rate in XX/XX/XXXX of each year since XX/XX/XXXX. New payments start in XX/XX/XXXXof each year. Each time the rate resets the principle reduction decreases and the amount of interest to Ditech increases. This has been going on sinceXX/XX/XXXXwhere the amount going to principle actually goes down see the attached. This is incorrect. The loan is not new each year and should not be treated as such where a new loan inception takes relatively little principle off.

I have had the State AG office look into this but I don't believe they understand the math well enough to solve the issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
I was contact by Cedar Financial about a debt. Apparently I incurred a driving violation during a trip to XXXX in 2016. The XXXX XXXX tried to contact me via mail but were sending communication to the wrong address so I never received it. Eventually, the debt went into collection with Cedar Financial. 

They have provided documents to me displaying the debt but the amount shown is considerably different than the debt displayed. Cedar Financial has told me it is a " procedural fee '' but have not shown written verification of the total amount they are asking to be paid. I'm willing to pay the debt that is displayed, but unwilling to send them nearly double that amount without any evidence I actually owe that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
XX/XX/XXXX I was a victim of a hard pull on my credit by a company called Barclays Bank which I have no account nor affiliation with. I wasnt aware of the fact that Id have my credit reported to this company. 
XXXX XX/XX/XXXX I was a victim of a hard pull by the same company with no recollection of consent to run my credit report. 
XX/XX/XXXX I was a victim of another hard pull from XXXX XXXX. In which case I do not recall giving any permission for them to run my 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 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The first delinquency date for XXXX XXXX is reported as XX/XX/XXXX on my Transunion Credit Report. This account first became delinquent in XX/XX/XXXX and was transferred to collections in XX/XX/XXXX. This account is more than 7 years old and is not compliant with the 7 year statue of limitations for how long an account can report on credit per fair credit reporting act. This creditor has illegally extended the statue of limitations on the reporting of this account from the first delinquency date and this account should be deleted from my credit report.

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 2018-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a CHASE auto loan for my XXXX XXXX XXXX. I purchased my car in XX/XX/XXXX. In XX/XX/XXXX, I requested CHASE put ONE payment on the back of my loan, as I had fallen behind due to illness. Fast forward several years later ... in XX/XX/XXXX I found out for every month I hadn't paid " a fee '' for CHASE extending my one pymt.to the end of the loan, I was being charged a " Late Fee. Now this had accumulated over the years to the point where they now claim I'm " BEHIND '' on my regular monthly payments however, I've NEVER again been LATE!!! The late fees total over {$800.00}!!!! I have no issue with pay one the ONE TIME FEE for extending my loan, but this has become ridiculous and EXCESSIVE!! 
I called CHASE auto finance and got no where. I also went into my local CHASE branch, as I also bank with CHASE. A Customer Care Rep. Called CHASE auto finance on my behalf. They did nothing, and never called me back after researching the problem as they had promised. I am almost done paying off my car but these fees need to be reversed NOW! Thank you for your attention in this matter.

Company response to consumer: Closed with monetary relief