milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: We secured an interest-only home loan with Chase 10 years ago to purchase our home. As of XXXX XXXX the loan is now changing to a principal and interest payment amortized over 20 years so our payment is doubling. On XXXX/XXXX/XXXX we applied for loan relief to help us stay in our home and were denied on XXXX/XXXX/XXXX. We applied for this loan with stated income at time and were unaware that our payments would double in 10 years. Since the loan was secured, I lost my job and my husband is working to make all of the payments .We have never missed a payment, never been late on a payment- through all of our financial hardships we have always made the mortgage a priority. What was stated on our application is not the case anymore. Chase did not do their due diligence during the underwriting process to ensure that in 10 years time, the we would be able to afford a doubled payment. We are now being FORCED into a situation to sell our home quickly or go through the foreclosure process after raising our son in this neighborhood and becoming active members of the community and schools. According to Chase, the reason for the denied modification process is due to " too much equity ''. It seems like Chase would WANT to assist with assets that have equity. This loan was mis-represented by Chase and approved hastily with no regard to the applicant 's well being when the loan changes at the 10 year mark.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of america has no legal standing to collect my mortgage payments. There was an assignment of mortgage done years after the merger with bank of america and countrywide and the assignment of mortgage appears to be fraud to me. The assignor portion was left blank and so was the address. And the XXXX employee who signed it were employees of bank of america. Furthermore, countrywide was never assigned to hold mortgage. Bank of America has been collecting my mortgage when they are not the holder or hold the mortgage. I attached the attachment of mortgage and written letter I am sending to Bank of America today.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i recieve letter dated XXXX XXXX I reply disputed the debt. Never recieved reply back but XXXX month later debt was listed on my credit report. This unfair practices. I disputes the charge only find out the debt was paid XXXX month before it went to collect but the XXXX say it still valid

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I have went through the entire process of the loan modification making the test payments required submitting all documents they requested and at the end of the process they send me the paper work for me to sign and its incorrect. Flagstar bank is refusing to give me a loan modification because of incorrect paperwork that they sent out for me and my estange wife to sign that she will not sign. She is not on the loan nor the property deed and she refuses to sign the paperwork because Flagstar has her listed in the documents as being responsible for the modification. I have called them several time and they are refusing to remove her name or send a letter stating she is not responsible for the financial obligations. They are trying to force her to sign something and she has no legal rights to it or foreclose on the house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion continues to report inaccurate information on my credit file and denies me access to Transunion as the law requires. They have placed me in their " priority '' department which has no XXXX number so everytime i call, no one in Transunion has access to my credit file because it is handled by a " special department '' which has no number and when they transfer me it goes straight to a voicemail that never gets returned. I have sent Transunion a dispute via certified mail, via fax and via regular mail. I have waited more than the 30 days allowed by FCRA. They simply respond that the account is verified and do not do anything with my dispute. I 've even contacted some of the original creditors and they have confirmed no contact has been made with them. Most recently i filed a dispute with the BBB where i had sent supporting documentation to which Transunion simply read the first sentence of the dispute and responded that my documentation is not sufficient. To be specific i have a letter from XXXX stating that they have instructed Transunion to remove unathorized hard inquiries from my credit report yet Transunion refuses to do so because they state that XXXX has not been specific enough. They simply drag out the process to make sure that they can keep reporting negative inaccurate information because of course that is how they make their money. I have been trying to get inaccurate information removed for almost a year and have not gotten anywhere with this credit bureau.

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
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: After reviewing my credit report I noticed two inaccurate inquiries on there being reported by this company & the credit bureaus in which I have disputed them and put a fraud alert on my account as well with this XXXX XXXX company and all 3 credit bureaus is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the company never responded by mail. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on all three of my credit reports. Regarding the following inquiries < XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX >  I have disputed these TWO unauthorized inquires for several months with no help from the company or credit bureaus. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent by mail to XXXX XXXX XXXX XXXX. I have spent the last two days over the phone disputing and arguing with representatives at XXXX XXXX XXXX XXXX (which is a third party for another company) that keeps telling me that they will not investigate these two inaccurate inquiries that their company requested on my credit file. XXXX XXXX XXXX keeps referring me to the credit bureau to investigate or a Veterans home loan place. It is NOT my job to track all of these companies down. I put a fraud alert on my accounts for these are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. I am demanding that both of these unauthorized inquiries be deleted from my credit file immediately! I am demanding that XXXX XXXX XXXX do their job and abide by the laws!! This company requested my information without my consent and they need to delete it!

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Consumer Loan (Installment loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: Beginning in XXXX, I visited the XXXX dealership in XXXX, TX. I was purchasing another vehicle and decided to take my XX/XX/XXXX XXXX to the service department. I was having issues with my XXXX, which is covered under the extended bumper-to-bumper warranty I purchased. 

I dropped my car off for them to look at the XXXX issue and to perform a XXXX mile tune-up on my car, which cost me over {$700.00}! When I came to pick my car up a few days later, I noticed after leaving the dealership the XXXX issue was not resolved. I immediately called the dealership and they advised me to bring it back in a few days, which I did. 

Upon bringing the car back for the SECOND time, the XXXX dealership put me into a rental. They kept my car for a WEEK and then called saying they were not certain what the issue was and I needed to come get the car. They said they would order a new radio and when it was received I could bring it back and they would replace it. 

I later brought my car back and they put me into a rental car again. This time the dealership kept my car for FIVE solid weeks. They returned my car to me on XXXX, which is the last day my warranty was valid. 

After leaving with the car, we noticed the XXXX issue still was not resolved and now we were having additional issues with electronic components ( thermostat read XXXX degrees, all of the time, and when I changed the temperature of the air conditioning it would also change the mode, which are controlled separately ) Again, I called the dealership to let them know. I was asked to bring the car up there on XXXX at XXXX Unfortunately, I was unable to make it to the dealership in the morning due to work ; however, we brought the car up there at XXXX - just six hours later. 

When my boyfriend arrived at the dealership he was informed that they would not look at the car because we were not there on time, they would not simply take the car and give us a rental because they had to diagnose the car to ensure something was wrong with it - mind you - this is NOT a new problem. The manager, XXXX refused to talk to me on the phone and made me speak with the Service Guy and she also said that unless we could prove that they caused the additional electrical issues, we were going to have to pay for those out of pocket. 

It is ridiculous that a consumer can pay thousands of dollars for a warranty, be charged interest on top of that, and not receive the level of service they should. THIS IS A COMPLETE SCAM!

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I attempted to refinance my home with the Bank of America. ( I have been a Bank of America customer for forty years. ) I spoke with XXXX XXXX, a mortgage loan specialist with the Bank of America in XXXX XXXX, California. I submitted all of the recommended documents. I am XXXX and getting the requested documents was extremely difficult. 
I was told one week after the documents had been submitted that my file had be " shredded. '' I attempted to speak with XXXX XXXX 's supervisor, XXXX XXXX, and made five telephone calls over a two week period and he would not respond. I was then told to resubmit all the documents. I was told by an operations manager, XXXX, that she shredded the files, but she could not explain why. 
I believe that the Bank of America is making it impossible for XXXX to refinance their homes. The bank is pretending to start an applications. I was told by XXXX XXXX that a home loan application was never started although I had over five e-mail contacts with XXXX XXXX. I made every effort to start an application. I realize now that the entire process was a sham.

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 02-01-2016 about Bank account or service (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION ().
Issue: Deposits and withdrawals

Complaint: 1. The buyer of my properties sent me an e-mail in XXXX 2015, stating that escrow wo n't wire me the money overseas. XXXX in XXXX, CA. I contacted their head office and never got a response. Tried a dozen times, calls and e-mails. 

Then I called www.unionbank.com and was told that there was " no limit to send money to a registered transfer payee ''. FALSE. {$5000.00} is the limit. 

For weeks, my money has been stuck. 

I complained to the bank, sharing that I 'm under threat of a margin call. 

Lost & gt ; {$30000.00} and was forced to close the account ... Still, no payment!

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX XXXX, and I have three ( 3 ) mortgages on my property. I am current with the first mortgage, but I had to take a job making less money and I could no longer afford the 2nd and 3rd mortgage. I am in the process of selling the home as I am now struggling to pay the first mortgage. I have an offer that will pay the first mortgage in full and the second mortgage has consented to take $ XXXX, the third mortgage which has been charged off since XXXX and is now in the recovery department wants $ XXXX when on XXXX XXXX, XXXX my short sale representative spoke to XXXX XXXX w/ Regions Bank and he stated that he can make {$7800.00} work. I can not believe that these people will push me into a foreclosure situation. I could file bankruptcy and get rid of them all together, but I do have a sense of honor and I need to pay them something. The bank will not allow me to pay them $ XXXX simply because they are in 3rd position and this is a HELOC. The senior lien holder will not allow me to pay the junior lien holder more than $ 9K and they are both with XXXX. Please HELP. This lender is being unreasonable and they are trying to force me into foreclosure or bankruptcy.

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 09/20/2016 about Consumer Loan (Installment loan) with FORD MOTOR CREDIT CO. (MO).
Issue: Managing the loan or lease

Complaint: PURCHASED CAR XX/XX/2015, WHEN PURCHASED DEAL OF 75 MONTHS 0 % INTEREST AND NO PAYMENT FOR 90 DAYS. BECAUSE THIS WAS NOT WRITTEN IN ACTUAL CONTRACT, THEY DID NOT EXTEND THE 90 DAY OFFER. NOW I HAVE A 30 DAY LATE PAY SHOWING ON MY CREDIT REPORT. I HAVE TRIED TO CORRECT REPORTS, DEALER REMEMBERS THIS WHOLE THING BUT SINCE WE SIGNED CONTRACT AND IT WAS NOT WRITTEN IN CONTRACT THEY ARE NOT ABLE TO DO ANYTHING. THIS IS HORRIBLE AND EFFECTS ME GREATLY

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (Non-federal student loan) with Williams & Fudge, Inc (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: repeated phone calls after they were informed they are using my cellphone minutes. Can not keep incurring charges for unwanted calls

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The previous person that had this phone number is the one they are trying to reach. We have had this phone number for 8 years and they are still trying to collect from him. Is there some way we can stop these phone calls. We have an answering machine that picks up and our tv has give us this phone number and the caller phone number XXXX. They call two and three times a day every day of the week even on Sundays.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Found on my credit report an {$850.00} debt for a payday loan that I never took out. It 's listed as Midwest recovery systems. Now my credit score has plunged and I 'm working hard to rebuild my credit and this happens! Never received ANY information that anything was going against my credit. No paperwork.. nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Billing disputes

Complaint: I applied for a visa using a third part service. The visa company did not comply with its own rules as stated on its website and issued a visa that was not for the dates needed. I disputed charge but Chase credit card said the company said its website says there are no refunds. Assuming this is true, it should n't apply when it is the company that did not follow its OWN rules and I was not at fault in any way. As a result Chase declined the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2017 about Debt collection (Auto debt) with COMPUTER SCIENCES CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: CSC Logic Inc,   XXXX   XXXX   XXXX   XXXX  TX  XXXX  received a lump sum payment of to the account for a   XXXX    XXXX   XXXX   XXXX , The company states I was sent to collections because I did not pay for 27 days. As a customer,  CSC lo gic failed to disclosed that I was late on payment. As a customer I thought the lump sum payment would cover my payment for the month of  XXXX . The lump sum was paid on  XXXX   XXXX  and the last day to pay for the month was  XXXX   XXXX . I called on  XXXX   XXXX  and the company advises me that I am 37 days late for payment, when I did not receive any collections calls for payment of this bill. Or any follow up mail stating that my account was going to be sent to collections. It is outraging that a company can hurt your credit sending you to collections because you are late on a payment, when in fact they did receive payment, in fact, the loan was almost paid in full.

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 04/17/2017 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We had storm damage from falling trees on our property. The insurance company paid the claim with a check to us and the mortgage servicing company -- Fay Servicing. Fay demanded that we endorse the check to them and that they will dole out the funds. We found a contractor to remove the trees but Fay sent us a check for only 1/3 of the total claim ( there are other tasks to repair our property after the trees are removed ) payable to both the tree contractor and us. The contractor will not do the work without the guarantee that that they will be paid when the work is done and indicates that they have had difficulty with collecting from mortgage companies and insists that we guarantee payment if the mortgage company does not pay in 30 days. The mortgage company will not guarantee that they will do that.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Blakely-Witt and Associates, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company is saying we owe more then what they are reporting to the credit bureau. I called today to just go ahead and pay the full amount so we can move on and the guy I spoke today was very rude, He said that they got the complaint and I knew exactly who I spoke to. He was very rude with his tone. His name was 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 12-05-2017 about Credit card or prepaid card (Government benefit card) with Comerica (UT).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: On XXXX XXXX 2017, I call the XXXX XXXX customer service number to check my balance. The call revealed that there had been unauthorized transactions on my account. I pulled up my account online and saw that on XX/XX/XXXXXXXX there were 3 charges made to XXXX in Florida, I live in Utah and did n't lose my card. I called XXXX XXXX XXXX to report the theft and after 15 or so unsuccessful attempts, the call finally connected. I cancelled my current card and ordered a new one. I was then transferred to XXXX who could assist me in reversing the fraudulent charges. XXXX came on the line saying, " you need a XXXX! '' I responded that there had been fraudulent charges on my account and I needed to be refunded the money that was stolen. She proceeded to tell me that they would mail me paperwork, which I was to fill out and return, then it would take 90 business days for them to investigate the theft. I tried to ask questions, but was not allowed to speak, as she just kept talking over me. She then transferred me to a recorded message and then the call ended. I called back and after another number of disconnected calls reached XXXX, who told me that I could qualify for to have the funds returned to my account within 10 days, but she would have to transfer me to someone else to complete that process. She transferred me to XXXX who denied any knowledge of being able to return the funds to my account within 10 days and repeated the lines about it taking 90 business days. I asked if there were forms online or if they could email me forms to expedite the process, she responded, " No. '' She said I could mail a letter to them alerting them of the theft. I asked her to go over each line of the form they would send out to me, so that I could write a letter that covered every detail of what they wanted. She refused. This money is used for us to live, it is survivor benefits and I am a widow doing my best to support my children who have already lost so much. Now they have lost any hope of having any XXXX gifts or XXXX dinner or anything good this month. Please help us get this money returned as soon as possible Thank you for your time

Company response to consumer: Closed with monetary relief