milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Back in XX/XX/XXXX I was the victim of fraud when I tried to refinance through people claiming to be lawyers, who were not. at the time my mortgage was being serviced by EMC mortgage inc. I believe they had the loan as well, not sure! After the crash in XX/XX/XXXX J P Morgan bought EMC for pennies on the dollar and thus our relationship began, I am XXXX and my income is not very much but to stay in my home I 've been paying interest only plus insurance and taxes each month. I am writing and requesting a complete audit of my mortgage so that I can see how things got so out of control. Is there anything that you can do to help me get back in control? here is a copy of the letter I am sending to my mortgage service provider. To : J P Morgan Chase Bank XXXX XXXX Mortgage Servicing Dept. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX, OH XXXX Mortgage Acct. # XXXX Date : XX/XX/XXXX RE : Information Request Mortgage Loan Number- XXXX I am writing to request a complete audit of my mortgage. I had requested a re-finance back in XX/XX/XXXX, I was told that I did not meet the requirements. During the market crash I tried to get help in refinancing but was ripped off by some people posing as attorneys and were not. I have documentation to show that these people are being charged by the State Bar of Ca. I have been XXXX for quite some time and I have had to beg borrow and scrape to get by. Chase bank did allow me a modification where I could make interest only payments in order to keep my home, since Ive had since XX/XX/XXXX.Somewhere along the way my mortgage has jumped into the outer limits. I have tried to refinance but when I do everyone sees a deferred principle payment of {$170000.00}. Once other lenders see this they immediately stop talking and say they can not help. I would like to know the when and where this comes from. The reason I am requesting this information is when I was given an estimate by your bank in XX/XX/XXXX this XXXX was not listed. This estimation is dated- XX/XX/XXXX the loan ID is XXXX. I would love an opportunity to take this offer but it to was withdrawn, I even got someone else to put on the mortgage, didnt help either. I dont know in which direction to turn it appears that Chase Bank has all the leverage. I believe an audit will help me to figure out how I got into this mess and maybe a way out. I am inclosing a copy of the estimate, as well as the letter from the State Bar. Also if this reaches the wrong department please send it to the correct one > Thank you! If you need to contact me to discuss this request, I can be reached at XXXX XXXX XXXX XXXX XXXX, Ca.XXXX Mobile phone- XXXX email- XXXX. _________ ______________________ Date Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Credit card) with Praxis Financial Solutions, Incorporated (CO).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: FYI, there not much of a selection for the specific issue of this misrepresented matter so therefore I went with the best possible selection by selecting there should be no response to lawsuit. 

I settled a debt XXXX/XXXX/2014. The settled in full letter provided Is not sufficient according to the credit bureaus. The credit bureaus will not acknowledge the letter due to the debt collector being a third party who is representing another third party and the letter lists the original creditor as well as the full original account number. I told the collection agency, Praxis Financial Services, the credit bureaus is not accepting their letter. PFS consistent response was we never have this issue and we send letters all the time and there is no issue having the credit bureaus being updated. I 'm having an issue an no one is wanting to help. Do not tell consumers a letter proving the debt has been resolved will suffice. Very misleading and is a violation of the fdcpa. If I am telling this business the letter is not working they should make an effort to resolve the issue such as contacting the debt purchaser, who will not answer the phone, to resolve the issue. I also tried contacting the original creditor and I ca n't get any confirmation of this debt was even place with this agency and the fact praxis is not willing to contact the bureaus or help rectify the issue is a red flag.

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 01-12-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: I wanted to stop payment on a filthy hotel room and could not

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have three student loans that are through Navient, all three loans are in Forbearance but they show late payments on XX/XX/XXXX,XX/XX/XXXX during that two month time all three loans were in forbearance as they were in the months before and after those dates. I 've made numerous attempts to correct this issue. These late payments are really affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My insurance company  (   XXXX  of Arkansas  )  had an internal processing error, which resulted in my, and everyone else insured by this company, policies to not be renewed. These claims were denied due to this error. I eventually had the problem fixed and my policy was then renewed. These collections were inisiated due to no fault of my own. If they would resubmit them to my insurance company the debts  may  be paid. Thank you.

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 01/23/2018 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: About 6 months ago, I opened my first Citi Bank checking account. I opened this account due to a promotional offer, which after completing a few requirements promised to award me XXXX XXXX XXXX miles. I completed the requirements, including the minimums of two consecutive months of bill pays and {$1000.00} of debit transactions. Additionally, I spoke directly with a Citi representative regarding my account, and the representative confirmed that I was indeed eligible for the promotion and that I had also completed all requirements to receive the bonus miles. I have waited 4 months for the miles to post, and have still not received them. Citi has not been able to give me an estimated time of resolution for this matter either. I am quite unhappy with the way I have been treated, and would expect for the miles to be awarded as I have completed my end of the promotional offer.

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 04/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX alleged that I owe them {$76.00}. for a phone bill. That debt was passed on to a collection agency known as Southwest Credit Systems, L.P. located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Be advised that I was never in any phone contract with XXXX during the time period they alleged I owed them {$76.00}. Notably, neither XXXX nor Southwest Credit System ever notified me of this debt in writing or otherwise prior to its submission to the collection agency or to the credit bureau. In fact, I first discovered that I was in collection status while viewing my XXXX XXXX account. These facts withstanding, I wrote directly to Southwest on two occasions ( one letter returned as " returned to sender not deliverable as addressed '' ), and the second letter was confirmed as received due to return receipt requested. However, to date I have yet to hear from Southwest with respect to an explanation, or whether they contacted XXXX to have the collection removed from my credit report. I also disputed the collection online with XXXX on XXXX occasions to no avail. This was followed up with XXXX letters of dispute ( certified mail - return receipt requested ). The XXXX confirmation response letters that I received in regard to my XXXX letters to XXXX had absolutely nothing to do with the instant disputed XXXX collection. In fact, in XXXX replies XXXX provided confirmation in regard to an unrelated matter. Additionally, I tried contacting XXXX agencies via phone, but was not afforded an opportunity to speak with anyone. As a last resort I am formally requesting that the FDCPA take the necessary steps to have Southwest and/or XXXX have this erroneous collection debt removed from my XXXX credit report. That collection debt is damaging my credit report, and is currently hindering me from purchasing a vehicle.

Company response to consumer: Closed
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: i never had any such account with XXXX XXXX and when i was notified i called to let them pick up water items dropped at my door ... please close this account as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: 1. Billed ( included in mortgage ) unauthorized insurance coverage ( for home appliance ) 2. Inaccurate Statements ( monthly statements ) ; ignores repeated calls to address3. Transferred paid principal payments to supplement escrow shortage without notice or authorization. 
4. Unable to reconcile account statements, over {$1000.00} paid to Ocwen is unaccounted for. 
5. Very abrupt loan transfer to XXXX, without reconciling account ; as though to sweep this under the rug - I Need immediate attention to address this. There are outstanding issues with OCWEN and yet the loan servicing transfer to XXXX takes effect in XXXX days. 
6. Inaccurate tax return statements for ( 2014 ) 7. I believe my loan is being transferred as a move to hide or cover-up these concerns that I have now repeatedly reported up their chain of command. The CEO, COO, CFO and Chief Legal Counsel are aware of these challenges and have turned a blind eye

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Closing/Cancelling account

Complaint: Opened a XXXX XXXX XXXX Bankamericard World Mastercard account XX/XX/2016 to assist with my new business. I also sent in the form for automatic payments from my bank account to ensure that payments were on time and my credit remained good. I noticed today on my statement which I received XX/XX/XXXX, that there was a late fee. I called to see why a late fee was charged as I had automatic payments set up from my bank account and therefore there should be no late payments. The customer service representative said she could find no record of my automatic payments and I was also going to be charged another late fee for missing the payment date XX/XX/XXXX. She believed me about the payments I believed were being automatically taken from my checking account and offered to remove the late fees ( XXXX ). She discovered that my credit card account had been closed a month after I received it, ( XX/XX/2016 ), for the reason " that I had other sources of credit ''. She said a letter had been sent. I did not receive such a letter and was shocked to hear this. I asked if I could talk to the manager of customer service and was put onto XXXX XXXX. 
XXXX asked me if I had looked on my statement. I told her I am very vigilant about looking at my statement and that the late charge I had just seen on my statement was why I called in the first place. There was nothing on this or my other statements telling me the account was closed. This may be the reason the automatic billing was not put in effect. I believe that consumers should have information as important as cancellation on their statements and that my late charges should be forgiven due to the circumstances of my believing I was on an automatic payments system. Even more important, my credit should not be impaired for events I was unaware of and could not remedy. I also do not understand why a card was given to me in the first place if it was going to be cancelled the next month.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX I reported invalid credit inquiries to Transunion and XXXX. There are numerous inquiries on both accounts from XXXX XXXX that need to be removed, as they are not valid. I was told they would be removed within 21 days and I have yet to see any changes.

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 11/20/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I want to put a complaint in about XXXX. They called me with an offer to tansfer my high rate cards for a lower interesr rate.Aman describing himself as XXXX XXXX gave me the offer then transferred me to a person who identified himself as XXXX XXXX.I thought it sounded like a good deal, but then they told me it would cost me over $ XXXX.I told them I could n't afford that so they then offered an amount of $ XXXX.I then agreed to take the offer. The next morning I had second thoughts because it sounded like a scam so I called them back and told them I wanted to cancel the offer, but days later I received a check in the amount from my bank charge card account.The money was credited to my bank charge card and they in return sent me a check for $ XXXX.XXXX XXXX  XXXX is the company my bank charge card comes from. I spent hours and hours at my bank trying to figure out where to send the money to whomever it came from, but XXXX would not take it.I 've spoken many times to XXXX trying to find out whose money it was. They wanted to know how much it was but I refused to tell them because I di n't trust them.I now get statements from XXXX saying I owe them the money but it was not my right spelled name on the statement and it was an account number I do n't have.They said they would continue to bill me until I payed them {$4000.00}. They have the account number ending in XXXX which I do n't have.Please help me! I dont know what 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 01/28/2016 about Debt collection (Payday loan) with Global Recovery Group (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted over 9 times after I spoke to a representative at this " Global '' company. The rep, XXXX, told my daughter he was a Private Investigator and had papers that I would be served at my job. He said to call back XXXX, and left a claim number. I called the number moments after she gave me the message. I spoke to a very rude rep, requested to have proof of debt sent, and she refused. I requested a supervisor and she refused to transfer me to a supervisor. After she hung up on me, I received 4 phone calls at my place of employment from XXXX and the same rep that called my daughter, XXXX, was calling stating he wanted to verify employment. I told him he needed to call the work number for everyone to verify employment, as we do not verify employment directly through my employer. I told him I was ending the call and hung up. He called my cellular phone an additional 4 times after that, and finally calling my job one final time threatening to come to my employer and serve me with legal papers.

Company response to consumer: Untimely response
Consumer complaint received 02/15/2018 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a car loan with XXXX in XX/XX/XXXX, I totaled the care in XX/XX/XXXX. When the car was totaled, my insurance company paid the loan as well as my gap coverage. My mother, XXXX XXXX, co-signed this loan with me and was checking her credit report in XXXX and it showed the XXXX   XXXX was written off as a bad debt, not as a paid off or written off as a loss. I have repeatedly asked XXXX to send me the complete payment history including the payoffs and keep getting told they have sent it or its in process. I did receive a letter from gap showing their payments. this has completely dropped my mothers credit score from the 800s to the 600s.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Settlement process and costs

Complaint: XXXX XXXX XXXX I, XXXX XXXX XXXX residing at property XXXX XXXX XXXX XXXX, XXXX, GA XXXX purchased the home in XXXX and refinanced it with XXXX XXXX Loan # XXXX on XXXX/XXXX/XXXX. That loan was sold to XXXX Loan # XXXX and was taken over by XXXX XXXX XXXX Loan # XXXX when they went under and held the loan for the years XXXX and XXXX then to XXXX Mortgage Loan # XXXX and to XXXX Loan # XXXX then eventually to Nationstar Mortgage - Loan # XXXX which is the current servicer. 
During the time the loan was being serviced by XXXX XXXX. I experienced some hardship and requested their assistance with a modification to avoid foreclosure when I was informed that they had not received any payments for at least 12 months with which I disagreed and thereafter received what seem to have amounted to a refinance for 30 years which included a second mortgage in the amount of XXXX. 
In XXXX I requested the assistance of the XXXX XXXX, a XXXX Certified non-profit counseling agency, to apply for a modification and was given a 3-month trial of which payments were made on-time and was offered a final modification with terms extending the balance to a 40-year loan maturing in XXXX which was to be signed and returned by a specific date. 
In reviewing these documents I noticed that an area was incomplete on the Agreement To Maintain Escrow Account ( page XXXX of XXXX ) and the balance in question seem incorrect from the years I owned the home. 
I am attaching documentation that may be helpful in getting to the bottom of my concerns in assisting me with my file. 
I appreciate your cooperation in this urgent matter. 
Regards XXXX XXXX XXXX Contact Information : XXXX Email : XXXXXXXXXXXX Encls : Nationstar Trial Modificaation Nationstar Final Modification XXXX Final Moiication XXXX Mortgage Interest Statements - XXXX XXXX XXXX - XXXX & XXXX - XXXX Mortgage - XXXX - XXXX Mortgage - XXXX and corrected XXXX - XXXX - XXXX XXXX Settlement Statement - XXXX XXXX Copies of bank statements can be provided if needed.

Company response to consumer: Closed with explanation