milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a Home Mortgage with Chase and was approved back in XX/XX/XXXX. The mortgage was scheduled for closing on XX/XX/XXXX at XXXX XXXX Despite repeated numerous messages and emails from Chase that " nothing further was needed at this time '', I was contacted on XX/XX/XXXX at XXXX XXXX to tell me that Chase was not ready to close as they had been unable to verify my employment. Though this was the first that I heard about this being an issue ( as Chase had not mentioned it to me the 3 times that I spoke to them on the phone in the week leading up to the closing ), I was able to get my employer to verify my employment immediately.

We then had to wait until approximately XXXX XXXX for Chase to send over the closing documents. This delay was due to the fact that Chase had failed to send over any figures to the closing company until XXXX XXXX on the morning of the closing. They first sent me a preliminary closing disclosure about a week before the closing. The disclosure was inaccurate as it failed to include the {$7000.00} in credits the Seller had agreed to provide due to issues being found during the home inspection. Chase claimed that it was unaware of such credits, though my attorney had emailed Chase the documents back on XX/XX/XXXX. I never saw a corrected closing disclosure prior to the closing.

The initial closing disclosure I signed indicated that I needed approximately {$76000.00} to close. At XXXX XXXX. Chase contacted the closing company to state that the closing disclosure was wrong and that they would be sending over a new one. I then proceeded to wait until shortly after XXXX XXXX, four hours after my closing started, to receive a new closing disclosure, which now stated that I needed approximately {$78000.00} to close - an additional {$2300.00}. The reason for the change was : 1 ) Chase had incorrectly calculated the per diem interest on the first closing disclosure ( the correct amount was almost doubled ) and 2 ) Chase was disallowing the remaining balance of the {$7000.00} in credits the seller agreed to provide ( this amount was {$1800.00} as the rest was used to pay for the closing costs ).

I was not able to get anyone from Chase on the phone to discuss this issue until XXXX XXXX At that point in time, Chase could not answer why they were disallowing the additional credits, nor why this issue was coming up for the first time 4 hours into my closing, despite Chase being aware of the credits for over two months. Accordingly, I had to pay {$1800.00} above the amount that the seller and I agreed on for my house, simply because Chase said so ( but could not explain why ). Keep in mind, this is on top of the {$2500.00} in fees and charges that I had to pay to Chase for my mortgage.

Despite writing numerous emails to Chase about this issue, I have not had the courtesy of a response. Keep in mind that I have been a Chase customer for over 8 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/22/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with KEYCORP (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a home equity line of credit on  XXXX / XXXX / 17 . Before they pulled my credit, I paid for m y credit score  with   XXXX   XXXX  . My FICO scores came back as  XXXX , &  XXXX . I notified Key Bank to pull my credit and apply on the same date. My loan was declined because m y credit score  was  XXXX . No one can give me an answer as to why there is such a difference on the score, on the same day. Key banks report says that  XXXX  was used for their report. I have viewed my credit report and do not see anything unusual on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: X/XX/2017 and XX/XX/2017 I noticed credit inquiries that I did not authorize, made by XXXX XXXX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I asked Experian to validate this infomation with XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that they maintain under my Social Security number and send an updated copy of my credit report after deletions. Experian continues to send me notices that this has been verified.

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 01/18/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for the Keep Your Home California program which would have assisted me with receiving benefit assistance up to XXXX to be applied to my principal balance. SPS has refused to allow me to participate in this program that could potentially save my home. It appears to me that I may be retailiated against due to reporting them to various other government agencies after numerous HAMP home modification loan denials.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon being denied from a lender for " too many inquires '' on my credit reports, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on credit reports that I DID NOT authorize and had no knowledge of. I contacted the credit bureaus immediately and was being given no resolution. I also tried putting a fraud alert on mt account which should ensure this issue is n't a re-occurrence. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     I have attached Inquires listed on my report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I noticed my checking had a withdrawal that I did authorize to Experion Credit Reporting. I called them immediately and told them that I never contracted with them nor ever received a credit report from them. They stopped the payment but told me that they have been taking the {$25.00} every month since XXXX. It 's an account I rarely use and keep little money in so I did n't realize it right away. I was told that someone named XXXX XXXX had been receiving credit reports, so I asked for her information to have her prosecuted. I was told to contact Experion 's Consumer Relations Group for this information. I contacted them in XXXX XXXX requesting a credit report and a refund. I received a credit report but no written response. I again wrote them XX/XX/XXXX ( sent return receipt, which they signed for ) and received no response. I believe they hope I will go away. I way be a victim of fraud and they do n't seem to want to take responsibility for that. Also, I never contracted with them, received no services from them and they benefited approximately {$900.00} of my money ( {$24.00} from XX/XX/XXXX to XX/XX/XXXX ) I believe this needs to be investigated and hope you can help me with this situation.

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 08/27/2015 about Debt collection (Credit card) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am not liable for the Navy Federal Account # XXXX. It is my husband 's account. I filed Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I currently should not have any Charge Offs on my credit file at all. The date the first major delinquency occurred was in XX/XX/XXXX for my husband 's account. Instead, Navy Federal chose to place the date of filing to re-age the debt this is illegal. They are also furnishing erroneous information disputed to the Credit Bureaus intentionally a violation of my rights under the FCRA. They are showing a Charge Off with a balance due on an account that was my husband 's included in his bankruptcy filing trying to make me responsible for his debt. The attached dispute is the XXXX XXXX is over 45 days. Navy Federal verified the information on the report as valid when it is not. Multiple legal violations of FCRA and of my Chapter XXXX injunction, intentional misrepresentation of a debt to attempt to collect. They also re-aged the other account modifying the date of first major delinquency. Notice the account was added after my husband XXXX filed for Bankruptcy in an attempt to collect the debt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCS Financial Services, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My ex-live in girlfriend/office manager fraudulently opened accounts in my name. I submitted an Identity Theft Victim 's Complaint and Affidavit report with a demand for a copy of the application. I have been ignored.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (DE).
Issue: Application, originator, mortgage broker

Complaint: This complaint is related to my previous complaint which still are not resolved. The latest was # XXXX. After systematic harassment since XXXX of 2015 I and my husband of XXXX national origin did not get our home equity loan refinanced. Today I received a bill with increased interest rate not reduced. Our rate went from 2.99 % to 3.24 %. You systematically indicate that the response is undisputed. It is disputed because we are systematically harassed and our application not processed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citigold Checking account from Citi bank after receiving an offer for XXXX AAdvantage Miles if I opened a new account, paid XXXX bills with automated billpay, and spent {$1000.00} with the debit card. I opened the account on XXXX XXXX, XXXX. I satisfied all requirements XX/XX/XXXX and received a secure message via the citibank website on XXXX XXXX from XXXX XXXX stating the following : " After my review, I confirmed that with the bill payment on XXXX/XXXX/XXXX and your total debit purchase of {$1000.00} being met on XXXX/XXXX/XXXX ; all promotional requirements have been met. To set your expectations, the miles are automatically credited 90 days from the end of the statement cycle in which the requirements were completed. I was able to calculate that the miles will be credited to your AAdvantage member account by XXXX/XXXX/XXXX. Please keep the promotion code on file for reference, and in case they do not post with the XX/XX/XXXX statement, please send us a message with the code so we may research it further. '' My points had not posted by XX/XX/XXXX so I sent them a secure message on XXXX XXXX to ask when my points would post. I first received a message back on XXXX XXXX saying Citi bank would look into the matter. I received another message on XXXX XXXX stating the following : " Unfortunately, you are not eligible for this XXXX miles promotion ( XXXX ). While Citi does offer XXXX miles promotions at times, this offer is available only to targeted Citi card members who received the offer via a direct communication from Citi. Our records show you are not a targeted client. '' This directly contradicts the fact that I received the promotion code. I have screen-shots saved from my account sign-up process to prove it.

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 06/16/2015 about Debt collection (I do not know) with Associated Credit Services, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt collector keeps calling me at my phone number asking for someone who use to have my phone number 6 years ago. Asked them repeatedly that I am not the person you are looking for. I got a new phone and number 5 years ago and am not this person at this number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have lost my Wells Fargo XXXX XXXX XXXX Credit card on or about XXXX/XXXX/XXXX. I was not able to found out about the card being lost/stolen until XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. I called and reported my card being lost with all the fraud activities. There were hundreds of fraud activities on my card from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX totaling almost XXXX The reason why I was n't able to notice it for so long is because I was a victim of XXXX XXXX and my house got flooded. I had to stay at my friend 's house for couple of days. Then I got really busy with work, home insurance, contractors and fixing my house. 
After few days after I reported my card being lost I have received a letter from Wells Fargo stating that my claim has been denied because there was a transaction made after I reported the card lost/stolen. I Do not agree with the decision as there is n't any transaction after I have reported my card lost/stolen and if there is any I am totally unaware of it. There might be a possibility that the transaction was made earlier but posted by merchant later. I called Wells Fargo and I was told that one of the transaction was approved by my phone thru text message. I am unaware of that and I did not approve any transaction. I was at my friends house then I moved to hotel as well, any one can have access to my phone. 
All of the transactions that were made from XXXX XXXX, XXXX thru XXXX XXXX, XXXX are fraud and were not authorized by me. I would like to request the proof or documents of the investigations. Also, I would like to request to re-open and reinvestigate this claim as this is not fair with me to be reliable of paying for such a big amount which I never made transactions of. I am not willing to pay a penny towards these fraud charges as I never authorized those transactions. 
I will be reporting this fraud to all the credit bureaus. I truly believe that Wells Fargo employees still putting their customer 's identity on sake and not what they suppose to do.

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 12/17/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/15 I viewed an account alert from credit check agency, phone # XXXX XXXX, they list the following : XXXX/XXXX/15 XXXX is Experian the company name is : XXXX XXXX. Payment Status : Collections in the amount of {$680.00} their address appears as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (MN).
Issue: Loan modification,collection,foreclosure

Complaint: RE : RESPA QWR QiualifiedIn order to conduct the audit and review of my account, the following answers to questions concerning the servicing and accounting of my mortgage account are needed. Accordingly, please provide me, in writing, detailed answers to the questions listed below. 



Written Response. 
15 ) Has interest been charged on any attorney fees assessed to this account? Yes or no? 

16 ) Please send copies of all invoices and detailed billing statements from any law firm or attorney that has billed such fees that have been assessed or collected from this account from the inception to the present date. 

17 ) Has there been any suspense or unapplied transaction on this account from the inception of this account until the present date? Yes or no? 

18 ) Please detail each and every suspense or unapplied transaction, including debits and credits of that have occurred on this account from the inception of this account to the present date. 

19 ) Please provide the name and address of each company in person who conducted each property inspection on this property. 

20 ) Please tell me why property inspections were conducted on subject property. 

21 ) Please tell me how property inspections are beneficial. 


22 ) Please tell me how property inspections are protective of subject property. Please identify and writing the provision paragraph section or sentence of any note mortgage deed of trust or any green meant I signed that authorize the assessment or collection of property inspection fees. Have you labeled in any record your document sent to me a property inspection as a miscellaneous Advance? Yes or no? If yes why? 

23 ) How much in inspection fees have been assessed to this account from the inception of this account to the present date? 

24 ) Please forward copies of all property inspections made on subject property in this mortgage account file. 

25 ) Has any fee charge to recessed for property inspections been placed into an escrow account? Yes or no? 

26 ) Have any broker price opinion 's fees been assessed to this account? Yes or no? 

27 ) If yes how much in total XXXX fees have been charged to this account? 

28 ) Please identify the provision paragraph section or sons of any note mortgage deed of trust or any agreement I signed that authorize the assessment charger collection of a broker price opinion fee. 

29 ) Please send me copies of all broker price opinion reports that have been done on subject property. 

30 ) Has any fee charged processed for a broker price opinion been placed into an escrow account? Yes or no? 

Please provide me with the documents I requested and a detailed answer in writing to each my questions so that an exam and audit may be conducted in accordance with all applicable state and federal laws. Thank you for your compliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, MN XXXX : XXXX, State of Minnesota, Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In 2005 I entered into a Smart Fit refinance loan with Wells Fargo Bank. Under the agreement I was to pay just the interest on the principle. At the end of the XXXX years they automatically rolled it into a XXXX year fixed mortgage at a 6.05 % interest rate. They have no record of contacting me about the change. As if this were not bad enough they want {$660.00} per month for XXXX years on a {$55000.00} principle amount. All calculations I find at this interest rate on the principle come to only an average of {$440.00} per month. My online account does not show the conversion to a XXXX year mortgage nor does it breakdown any detail of what is included in the payment. Only referring to them as fees and charges. All correspondence with Wells Fargo has gone no where.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (WA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX I received a direct deposit from XXXX XXXX XXXX I it had a overdraft payment on it the total was XXXX was suppose to be sent to me in the mail in 6 days never showed up so on XX/XX/XXXX it was sent to treasury department and routing # XXXX acct # XXXX XXXX XXXX. Check number XXXX amount XXXX brinks meltdowns per paid card I have the XXXX XXXX card now and XX/XX/XXXX and still have n't received the funds and been to social security 5 times and to no avail no money yet

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 01/27/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Collection Accounts identified as ( XXXX XXXX ) on my Experian Credit Report Account # XXXX Account # XXXX Account # XXXX Account # XXXX Appears on my credit report, however, the alleged original creditor FAILED to process my insurance credentials correctly therefore adding them to my credit report lowering my credit score and causing me hardship and Refusing to removing these accounts. Additionally, I asked Experian to delete these accounts from my report as I was covered by insurance ( XXXX ) at the Date Of Service and I am covered by the same insurance as of todays date. I never received a bill or notice of delinquency and I also spoke with my insurance company to verify they would be resubmitted and paid due to creditor 's error. I have previously asked for removal of the disputed item, and yet the Collection Accounts is still reporting delinquent and late. Since both the creditor and debt collection agency are aware of the error on their part, Experian needs to permanently delete this item as FCRA does NOT allow for inaccurate items to remain on consumer credit reports.

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