milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2018 about Mortgage (Conventional home mortgage) with Brock & Scott, PLLC (MD).
Issue: Struggling to pay mortgage

Complaint: I have a complaint of file # XXXX, I 've attached formal complaint being filed today that further details the fraud involved by the Lender and Brock and Scott, PLLC.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (KS).
Issue: Deposits and withdrawals

Complaint: Rushcard took my money didnt allow me access to the internet or funds. I called ay least XXXX times anf could not get thru. When i did i was lied to repeatedly saying it was gon na be fixed soon. The stress has been undeniable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I 'm requesting the support of Consumer Financial Bureau to help me resolve this issue. 
I 've sent multiple disputes to Experian regarding inaccurate personal information on my credit report and they continue to report it despite sending them copies of my documents : drivers license, social security card and a utility bill per their dispute instructions. 

This inaccurate information needs to be removed from my credit report : XXXX XXXX XXXX This is not correct. It 's not my name. 
XXXX-This is not correct. It 's not my name XXXX XXXX XXXX XXXX NC XXXX This is not my residence. 

My documents clearly show the correct spelling of my name " XXXX XXXX XXXX ''. Attached again are copies of my legal documents : Drivers license, social security card, and utility bill.

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 10-03-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Trouble during payment process

Complaint: To Whom It May Concern I recently purchased my first home utilizing the services of XXXX XXXX in XXXX, PA. At the time of closing XXXX XXXX informed me that my mortgage would most likely be sold being that it is an FHA mortgage and that it would either go to XXXX XXXX or Chase. I was crossing my fingers chase would get my mortgage as I already had a credit card account with them. Well a few weeks later my " wish '' was granted and chase was my new mortgage holder. I then noticed one day my mortgage was listed on my online portal so I did not have to do any data entry or payment entering everything was rather seamless. Well here we are not even 4 months after buying this house and I get a notice that " XXXX XXXX a XXXX XXXX '' is my new payor. I have had trouble since the start, their system hasnt updated and I cant create a log in, it takes 20+ minutes to get someone on the phone there. I called Chase and asked them to reconsider transferring my mortgage but that fell on deaf ears. I am writing this government agency as you were designed to help me the consumer in situation with dealing with financial institutions, so help!

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Mortgage (VA mortgage) with LoanCare, LLC (FL).
Issue: Trouble during payment process

Complaint: My mortgage servicer is LoanCare, XXXX. XXXX XXXX, XXXX XXXX, VA XXXX. On XX/XX/XXXX, I received a letter from the County Tax Collector that taxes for 2016 were not paid. The county is also charging me a {$240.00} delinquency fee. I e-mailed copy of letter to Loancare, since it is their responsiblity to pay my propery taxes from my escrow funds. I have more than enough funds in my escrow account. It 's been 2 months since I sent them the delinquency letter and my concerns have been ignored by this company, even after numerous e-mails and half a dozen phone calls. The customer service reps on the phone keep telling me that they will escalate the issue to a higher level and respond within 48 hours. This is the worse mortgage service company that I have ever had to deal with. I even asked if I could take control of my own taxes and forgo escrow with them. That way I can make sure my taxes are paid and make sure this doesnt happen again. They refused saying that I would need principle to be less than 20 % of the value of the house. This company is negligent in their duty to service loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have an account reporting with Experian which does not belong to me, XXXX and have disputed with them twice and do not get anywhere! I need this acccount off my record immediately, since it does not belong to me!

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 12/14/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX and Experian refuses to remove XXXX Chapter XXXX dismissed bankruptcy from credit report Desired Resolution : Delete Chapter XXXX Public Record from my Equifax XXXX and Experiancredit 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 12/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CCS of XXXX MA sent a letter stating I owe {$280.00} due to XXXX. I have never had any business with XXXX and sent a letter stating this. The credit collection letters keep appearing. I have never had a XXXX policy in my life. Please stop the scams and fraud. File number XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX has issued a late/missing payment remark on my credit report. The account in question is not mine ; it is my late step father 's. They claim since I was authorized user ( which is news to me-I have my own XXXX XXXX account ), they have the right to put this on my credit report. I think this is extremely unfair! I never signed my name to this account ; plus even XXXX XXXX states an authorized user ( if I was one ) is not liable to pay the account. So why is it alright for them to report my Dad 's account with a derogatory remark on my credit report? I think it is terrible to use my Dad 's passing as an excuse to do this. I would like their remarks removed from my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are 4 accounts on my credit report they are not mind.
Someone must have used my information.
I am not even old enough to have these things on my report. Havent bought anything done any thing. I just graduated from high school. All 3 of the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Settlement process and costs

Complaint: I was subjected to a fraudulent closing on a bank note with XXXX XXXXon XXXX XXXX. AFTER XXXX GMAC and XXXX XXXX all got involved. 
I filed TILA lawsuit XXXX in Fl. XXXX Circuit, and GMAC XXXX XXXX filed case XXXX, and OCWEN later allegedly tried to purchase mortgage servicing rights, but was stopped by Consent Orders with the US Treasury, Federal Reserve, and your office. 
All the issues that created your office came from me and others like me with XXXX XXXX complaints.Today I was subjected to an illegal judgment to sell my home, AFTER these consent Orders, especially on XXXX XXXX. So I want you to intervene with an XXXX XXXX by your attorney or stop them from the proposed XXXX XXXX sale.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: I submitted a dispute on  XXXX  disputing some inquiries on my credit report. Transunion completed the investigation on  XXXX  and sent me the results. The problem that I have with the investigation is that they did not fully investigate my issue. When I go the results I called Transunion and asked them why did they not address all of the issues within my complaint and they told me that I had to contact the company. I told the rep that you cant pick and choose what parts of the complaint that you want to address. In accordance with the law you have to investigate and report back your findings on every item that was disputed.

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 03/16/2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I paid the first payment of my new mortgage on line. I then set up for auto pay and they immediately deducted the second payment on XX/XX/XXXX. When I realized what had happened I called Roundpoint Mortgage Services Corp. on Monday XX/XX/XXXX and spoke to someone in customer service who said that the credit will be applied to my account in a day or two. Today, XX/XX/XXXX I called and was told that it had to be processed and a check would be sent out on XX/XX/XXXX. I explained that this would not be sufficient as I had already waited several days. I was put on hold twice for 20 minutes waiting for a manager that never appeared so I finally hung up. I called back again and got another story and the check is still not going out and I will still have to wait for it. I again was put on hold for a manager. After 15 minutes I was told a manager would call me back. customer service is in the Philippines.

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 09/19/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Several years ago Bank of America 's representatives corresponded with my lawyer but did not represent themselves truthfully. The case was settled and sealed, however they paid me several thousand dollars. Since then I 've asked them repeatedly to not call me but rather write me in email or letter as their representatives say different things depending on which department they are calling from. I also told them to stop calling me on my regular cell as their continual automated phone calls were harassing me. Since then they have take to call me almost every day on another number that I have. Please tell them to stop harassing me through this continual calling. They may communicate with my at any time through either email or letter. 

Thanks for your help. 

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX  claims that I have a charge off credit card in an unknown, unidentified amount. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

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 09/17/2017 about Debt collection (Other debt) with The CBE Group, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I telephoned XXXX in early XX/XX/XXXX and was told acct was paid in full. I had moved and never ever received a bill that acct was still owing. Never received notice from CBE Group that there was an outstanding balance. Upon learning of collection thru XXXX XXXX I immediately paid amount due to XXXX. XXXX lied about having sent me notices or USPS failed to forward mail!

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: I have a checking account # XXXX and credit card with Bank of America which they decided to close w/o letting me know until my cc was declined. When calling them to ask why my charge was declined, they claimed the cc account was closed and failed to let me know that they were closing my checking account also. I received a letter in the mail that the account will be restricted in 21 days and closed in 30 days but when trying to make a payment prior to the 21 days the payment bounced and I incurred a {$25.00} bounce fee for a closed account. 
When trying to reach the number on the letter it goes right to voicemail XXXX and says leave a message and they 'll get back to me in 24 hrs, being its Friday and I have bills to pay I decided to go to a local branch to have this resolved and they told me they cant do anything for me that they had to follow procedures set by this department that no one can get a hold of not even their own reps. 
So Bank of America is holding my money for no reason and no one is able to release the funds me so I can make payments that have to be made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have 2 different deragatory marks on my credit report that I am disputing because they are false One on the XXXX end for {$3900.00} and one on the XXXX side for {$2100.00}. I have paid and continued to pay the direct hopsital on these bills that have since been reported on my credit. I am NOT DELINQUENT. I have contacted Gold Key directly to get assistance in having this lifted off my credit report and I never am contacted back, and was hung up on when I explained the error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (TN).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Never received my sign up bonus for my First National Bank of Omaha Travel Elite card. 
Contacted company but never received the account bonus.

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 Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: TD Bank decided to update their banking online software and it has been 4 days so far & I still cant see my accounts. I have called their customer service phone number & each time I am told its a 20 minute wait or a 40 minute wait. When I call my local bank office the girl there tells me she can read me anything I want to know or I can come in & she can tell me what I want to know. I asked them to e-mail me my accounts & that is even a problem. 
I want to see my accounts!!!!!!!! I have a right to see my accounts!!!!!! This is crazy I feel as if I have been robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed the reporting of XXXX XXXX XXXX on my TransUnion credit report. It is being reported as " Charged Off ''. It was included in my Discharged Chapter XXXX, dated XX/XX/XXXX, case # XXXX My last dispute was in 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 09/21/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I start a Loan application ( Refinance ) with two banks. One with CHASE BANK and other with XXXX XXXX Florida. Since  the start the loan application ( XXXX/XXXX/XXXX ) with Chase it was a nightmare. No answer-back, no emails answered, errors in the loan process all the way. In summary, the reason for complaints is that they cancel the loan because they could n't verify the employment verification. While the smaller bank called " XXXX XXXX '' did n't have an issue with the employment verification. The point is that the method they used was not sufficient and did n't do their job properly. I presented all the documents required for the loan, but at the end, it was Chase bank who could n't do their job in a simple, organized matter while the smaller bank did. I just do n't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I signed up for the 7-Day free trial with Experians CREDITCHECKTOTAL website. After my 7 trial I called MULTIPLE times to call and cancel this account. The wait times are ridiculous. Consumers are being asked to hold for ONE To TWO hours. Experian is phishing consumers into purchasing a 7 day trial for {$1.00} with the idea that theyll be able to cancel. The aggravating extremely long hours of WAITING to cancel is causing consumers to be charged for the service. I honestly think that if Experian can not hire enough people to help get these ridiculous wait times down they should NOT be charging consumers {$29.00} a month. My card was charged today TWICE from Experian and I want a full refund ASAP. A class action lawsuit or some kind of penalty should be the way to handle XXXX and this PHISHING tactic.

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 05/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I would like to file a complaint against XXXX, without researching they made no attempt to investigate the issue with XXXX. My balance for account # XXXX should be XXXX. I returned the equipment on XXXX/XXXX/15 and they never issued a credit for it, currently it 's reporting that I have a balance of {$1000.00} which is completely incorrect and should be adjusted as of XXXX/XXXX/15. They are impeding my credit score as it should be much higher than it is. Also, they are reporting under " revolving accounts '' and utilities such as home phone and cable should be installment NOT revolving. I have attached proof as well of the return.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian is refusing to remove accounts that do n't belong to me, they 're refusing to remove fraudulent inquiries, and they wo n't accept my identity theft police report through their upload page.

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 01/31/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I graduated in 2005 and have struggled to make my outrageous monthly payments. When contacting Navient regarding my options, none of them were within my ability to pay. I offered several times to make payments that I could afford and was instructed that my loan would go into forbearance until I was able to pay. I was told that I could make payments that were affordable to me, however, the loan would always remain delinquent and the better option would be to put my loan on hold until I can make the full payments that were presented. What I was not aware of, was how much interest would accrue. So as you can imagine, my loan balance has now more than doubled. And Navient is still not working with me in terms of my monthly payments. I am currently unemployed but married. Though my husband is not on the loan, they requested that I send in documentation regarding our taxes, and I believe tried to get me to sign a document to add him as a co-signer. I did not complete this paperwork, as that is deceptive and he is not responsible for this loan. Because of my husbands pay, they are requesting that I make, again, an extremely high payment that I am not able to make.

Company response to consumer: Closed with explanation