milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Dear Sir ; I applied for a line of credit on my house that i lived in since XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX. My house was paid off in year XX/XX/XXXX free and clear. About 6 years ago i applied for this line of credit from XXXX XXXX XXXX. When i applied my self and my Investor XXXX XXXX XXXX new this bank agent i completed the paper work and we all left the bank including my nephew that lives with me. He was my witness to me filling out the loan papers.I did not hear from the bank about my loan for a long time. As time went by i called the bank and got no answer about my loan. I turned it over to the F.B.I. they investigated this XXXX XXXX XXXX and locked him up for running a XXXX  XXXX he is in the state of florida jail.J.P. MORGAN bought the XXXX XXXX XXXX. 
I went to the J.P. Morgan bank and told them that i lost all my paper work for my loan, so the person printed every thing pertaining to my loan. The application was CHANGED to show that i made {$10000.00} a month and that is why the bank approved the loan and made the check out to XXXX XXXX XXXX, he was making the payments. I never saw the check in the amount $ XXXX.Would you be so kind to look up on the internet, XXXX XXXX , click on to the XXXX year old man that lost his house. THE BANK STOLE MY HOUSE. I am in touch with the F.D.I.C. about this check. I talk and email Special Agent XXXX, he told me that they located this bank agent and this case is a on going investirgation. would you try and help a XXXX year old man to get his house back. I have all the bank papers that they FALSIFIED. THANK YOU, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are several XXXX Accounts being reported in my credit file. These accounts do not belong to me. Each time that I disputed these accounts and proof that these accounts belong to me. I have not had any results from the credit agencies nor have I gotten any response from XXXX. I will like these accounts remove since they are playing a viable role in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent the attached letter to XXXX and Experian on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.

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 10-06-2016 about Consumer Loan (Installment loan) with CITIBANK, N.A. (GA).
Issue: Managing the loan or lease

Complaint: I took out a signature loan with " Citi Financial '' in XXXX. I had trouble paying back this debt when the economy was in a down spiral. CitiFinancial after so long of not being able to pay had retained an attorney XXXX XXXX XXXX in XXXX Georgia. Afterwards XXXX XXXX XXXX attorney at law had drained my bank account to the negative of checking and savings tour around negative {$23000.00}. This was on a loan that was paid down to. {$8700.00}. Not only that XXXX my tax returns were confiscated 4 for over {$3500.00} each for two years. I paid payments to XXXX XXXX XXXX for the remaining balance. I got a check returned to me that at the bottom said " refund on closed account ( no hold ) ''. I was no longer contacted by anyone else on this matter because the debt was paid in full. Now it is XXXX of XXXX and on my credit it shows that I owe {$11000.00}. The debt was never wiped clean off my credit and I still have a judgement against me after debt was paid.

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 05/21/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America has been misapplying my mortgage payments since XX/XX/XXXX. Today I got a letter stating that my XX/XX/XXXX payment was unapplied, which is just another example of their lack of accounting skills. My account is a XXXX year fixed {$680.00}, homeowners until XX/XX/XXXX is {$120.00}, Taxes are {$1600.00}. Total monthly due is {$940.00}. I pay {$960.00} to avoid escrow shortage. Bank of America 's accounting is a scam to charge unwarranted fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX ,   XXXX   XXXX  , &   XXXX   XXXX   XXXX  , all nasty companies were warned and advised to cease and desist all collection efforts pertaining to this account that they have begin reporting on my credit file. I am a victim of identity theft, my mother   XXXX   XXXX   and a number of other individuals whom she and my step father sold my personal information to opened this account in my name. This company has no signatures from myself signing this lease, and also has been told even if the docuets were true, the amount according to what they stated were incorrect, and the company or creditor that this company is collecting for committed identity theft on numerous occasions, even after I notified them that I was a victim of identity theft. This company tried to create a false billing statement in my name and attempted to file it in court. Attached is my Federal Affidavit of identity theft and this company is named as well. I requested this company discontinue trying to collect on this debt as it is a result of identity theft. They have none of my signatures verifying or validating a legal contract, and the amount is also extremely questionable. I was even told to sue when this company refused to stop trying to commit identity theft in my name. I have taken this information to the police and also the FBI at which time the company ceased for a while and nothing was heard from them. They then reappeared by placing the account in a collection agency at which time, I notifyed that company of the identity theft and that my mother committed it against me. I sent them the same federal affidavits that you have on file, and they sent a generic lease agreement with electronic signatures as opposed to my actual signature. So they conducted the identity theft via computer. My mother should have never placed my name on this lease. It is   XXXX   XXXX    's debt and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Our loan has been mismanaged from the beginning. The loan was acquired XX/XX/XXXX as a XXXX XXXX Pick a Pay mortgage through Wachovia Bank. At the signing of the mortgage they said our mortgage was wrong and need to be fixed ... they never fixed it ... we called and they were n't available, would n't return phone called, etc. XX/XX/XXXX-XX/XX/XXXX our mortgage company even though they held the escrow said they did not collect and came to us XX/XX/XXXX demanding a XXXX +escrow payment..our loan then spiraled out of control and we have been try to fix from the beginning. We were part of the Wachovia pick a payment class action lawsuit XX/XX/XXXX Class XXXX and they where suppose to dissolve our loan but that has set to happen even those they were ordered by a US district court judge to do so.There are tons of others in this same situation. We have been trying to refinance our loan since XX/XX/XXXX to no success due to no one wanting to touch our loan because of how messed up it is. We have never missed a payment, but every year our mortgage is always short and the bank cant explain why or where the money goes. We have tried and tried to work with them but they are unwilling to do so. We do n't want to loose our home due to the bank being at fault. Our loan is in its current state because of their negligence and we are asking for your help in this matter.

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 02-02-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I disputed the account with the collection agency Medical Data Systems and they sent me back copies of personal medical information sent from the hospital.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: American Express is reporting accounts on my credit report. Accounts I never opened with them and never gave them any permission. I have never had or opened ANY AmericanExpress cards in my entire life. These accounts should have never been added to my credit report in any shape or form.
On top of this they are showing many accounts as a duplicate. For example, they are showing one of the cards 4 times in a duplicate fashion.
This is preventing me from getting loans that are very sensitive to number of opened accounts in the last 10 months, and AmericanExpress is showing more than 7!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I left XXXX at the end of my contract, I called and verified my contract was over and I was paid in full. A few months later they called saying I owed money, I explained i did not. They turned me over to a collections agency, I explained this to them now 6 years later they filed a derogatory mark on my credit lowering it by almost XXXX points I now went from excellent credit to good credit status. I did everything I was supposed to in order to leave XXXX going as far as contacting them to make sure we were all square. To come up with some phantom bill months later for lousy {$150.00} is ridicules. It is not the {$150.00} it is the principle of lying to it 's customers because they are leaving for another company. Now six years later to have my credit ruined because of this is maddening. Any help would be great, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10-09-2015 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (WA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a refinance mortgage on my single family home in which I reside. 
I have provided information parsimoniously requested of me for the past 4 months. 
I have been strung along on this process being required to increase my home insurance coverage to accomodate Sebonic Financial requirements. I have provided XXXX appraisals demostrating I have well over 40 % equity in my home. When I began engaging with Sebonic Mortgage and Cardinal Financial process my credit rating was very good, I received this email in XXXX from the Mortgage Representative XXXX XXXX, " Finally! Thanks XXXX. I just requested update from lockdesk. I know they are slammed. Will provide update as soon as I hear from them. May not be until tomorrow though. Thanks XXXX. " On Wed, XXXX XXXX, 2015 at XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : '' Yes, we finally received the verification information. We had to get XXXX to update their records with the third party verification company. ''

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 04/27/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax removed several fraudulent accounts from my credit report on XXXX XXXX and then they put all of the accounts back on my credit file XXXX XXXX. I have called corporate several times and the FCRA requires that the credit bureau send me notice of any account that is going back on my credit file within XXXX days and I never received anything warning me of them putting that information back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2017 about Bank account or service (Checking account) with TRUSTMARK CORPORATION (MS).
Issue: Deposits and withdrawals

Complaint: My accounts at Trustmark Bank have been breached causing a great loss in funds. My banks are in the XXXX, Ms area.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed  XXXX  accounts with  XXXX   XXXX  with the  XXXX  major credit reporting agencies. The results of the dispute was that the accounts from  XXXX   XXXX  were removed  XXXX  file number  XXXX ,  XXXX  #  XXXX  and  XXXX  #  XXXX . The  XXXX   XXXX  accounts were removed. However, beginning in   XXXX  2017    a new company calle d LVNV FUNDING, LLC b egan collections on the removed accounts. The accounts were already removed by  XXXX   XXXX  and should not be reflected by a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with Continental Finance Company, LLC (FL).
Issue: Other fee

Complaint: I was offered a credit card pre approved. them I filled it out. When I received card XXXX dollars was due. Once the first year ends it is 10 a month. I never activated card, when I received a call from the company. They told me they would cancel card and refund the XXXX. 4 months later and account is open, never have I charged on card. Charging 25 % of limit was not on the application. Otherwise I would not have applied.

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 08-04-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I have come into difficulties paying my mortgage. The cost of living has gone up. Also my wife has been receiving help for a drug addiction problem. I have a XXXX year old XXXX daughter and a XXXX year old son. Since my wife has gone for treatment a lot of things fell on my shoulders. Finding out that she was not paying pills during active addition. Having to take care of my children on my own. And my hours were reduced at work. There has not been any over time availabile. Ian very afraid to have to move my daughter to another home or worse even another school. My daughter becomes XXXX when her environment has had to many changes. I simply need 6 months to get caught up. I asked my mortgage company for help and they said no. That I have not been in the home long enough. ( I 'm sure it has more to do with the fact that they are selling my mortgage in 30 days! ) they say I have to pay {$700.00} in 30 days or get forcloused on!!! The one thing they said they could do is accept {$300.00} and RAISE my mortgage to {$2400.00} for the next 6 months!!! Is that suppose to be helping me in any way!?!?!? I just want to keep my family in my home!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .the accounts listed on my credit file as follows XXXX  /cbna, XXXX XXXX , XXXX XXXX. I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. I have filed a report with the FTC listing and stating the above named accounts as fraud. 
I am not responsible for any charges made to these mentioned 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 explanation
Consumer complaint received 04/20/2015 about Credit reporting () with First Data Corporation (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is arbitrarily declining my checks at XXXX XXXX XXXX. This is the XXXX occurrence since XXXX XX/XX/XXXX They declined a check submitted on XXXX/XXXX/XX/XX/XXXX and ironically sent a letter demanding I send them a check for {$170.00} the XXXX of XXXX. We were on vacation and actually received it on XXXX. After calling them to clarify, I was threatened with XXXX denying all my checks to all of their customers until I submit another check. The same problem was experienced in XXXX and after XXXX hours with a supervisor I was advised their problem had been corrected and I would have no further problems with them as they had no negative transaction with our check cashing or funds. I spoke with Svc. Rep. XXXX and Supv. XXXX today, both were rude and insistent upon me clearing up the problem. They admitted the problem was either with the machine or the clerk 's input of the check but declared they had no responsibility for that. At no time have I had insufficient funds and my bank would not decline a {$170.00} check if I did. Manager, XXXX, at XXXX XXXX advises us that the check has been paid. I do not like threats, especially unwarranted ones and I do not like my credit and reputation besmirched by a business that has no concern for consumers. XXXX was fined millions of dollars in XXXX XX/XX/XXXX for unfair consumer business practices. This has the smell of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My complaint does n't really fit your categories. My credit score is high but in my opinion it should be the very top number. My concern is how the credit agencies decide on my credit score. I have never been in too much debt, have always paid any and all bills on time and I am rarely in debt for anything. Because I do not have a credit balance on which I must make payments ( which I certainly have in the past ), points are deducted. Because I have applied to various things ( in the most recent years ) for preapproval for a home loan and my credit is checked, points are deducted. I do not understand why I am penalized on my score because 1 ) I have no debt and 2 ) someone or some entity has checked my credit score. Why am I not at the highest possible rating? I 'm penalized if I have debt and penalized if I do n't have debt. Something is wrong with this system.

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 02/29/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have continuously submitted to my mortgage lender, Americas Servicing Company ( ASC ), documents to modify my home loan. They have continuously been asking for the same documents over and over and over again for over a year now. 
I have been through XXXX Home Preservation Specialists. 
The current XXXX is XXXX XXXX. He has not been of any help just as the XXXX prior to him. 
They have sent requests ( form XXXX ) to order my tax returns from XXXX numerous times. I have provided the information and they have still been requesting these same documents. I have even sent them copies of my tax returns. In addition, they continue to ask for my business tax returns. They have been sent copies numerous times as well. They continue to claim signatures are missing and pages of my tax returns are missing. I continue to tell them there are no pages missing and returning signed tax returns. Again, this is a repeated process that has been going on for over a YEAR! All documents are sent to them by their requested deadline and uploaded on their site. 
Everything they request has been returned timely and sent to them numerous times. I 've even had to submit the original application twice so they can by time and not service my request. 
When is it time they process my application? 
I am trying to get approved for a HAMP loan and this mortgage servicer, Americas Servicing Company, and Wells Fargo need to work with their consumers when they are in need and quit playing games. I attached only a partial paperwork I have been receiving from them for well over a year as it is so many documents they send to make it appear they are helping their customers, when in fact they are only repeatedly finding reasons to request the same documents over and over again.

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 12/27/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Other

Complaint: I keep receiving a denial for the Amazon.com visa signature card, which i have not applied for. I think it might be showing on my XXXX report. its probably hurting my application for a home equity line

Company response to consumer: Closed with explanation