milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2016 about Mortgage (Conventional fixed mortgage) with MOVEMENT MORTGAGE LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: We closed on our loan XXXX/XXXX/XXXX. We have it in writing that we wanted to make bimonthly payments to save on interest over 30 years. Our loan provider Movement Mortgage ensured us again and again that it is simple to set up. On XXXX/XXXX/XXXX we received a letter from a different company XXXX stating that we no longer should pay Movement and that they are our new servicer. We were never notified of the transfer from Movement and we did not receive a bill from XXXX until I called them and asked for XXXX a few days before our first payment XXXX/XXXX/XXXX. XXXX does not offer bimonthly payments even thought at first they told me that they did. They have now confirmed in fact they do not. This is something I was looking forward to doing and saving money in the long term about {$40000.00}. Not only did Movement lead us on in saying they would provide great customer service and that bimonthly payments are easy to set up but they did not inform me ever of a new loan company. Movement did not return my email dated XXXX/XXXX/XXXX the same day I was informed by CENLAR that our loan was changing. They only emailed me a month later after I posted a negative Yelp review describing my experience so another customer doesnt make the same mistake I did. I have read that the selling loan company needs to inform the borrower well in advance before transferring a loan and I also think they should not lead customers on saying they will allow bimonthly payments when they are intending to sell the loan the same week it was closed on. I understand how mortgages are bought and sold all the time but this situation seems a little abnormal. I have it in writing from an email dated XXXX/XXXX/XXXX that when my first bill comes from Movement that I could set up bimonthly payments. I am sure that our loan was already in the process of being sold and it could have been an opportune time to inform me the buyer. I am going to look over my loan documents to find the percentage chance that they are going to sell my loan as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are multiple inquiries, that i did not authorize on my credit profile. I disputed with Transunion and they are stating my info is factual, and i need to contact creditor. I contacted creditor and they in turn removed but its still showing on my credit report.Please remove the following inquiries off my report, they are not my inquiries. 
XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Union XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Union XXXX XXXX XX/XX/XXXX Credit Union XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XX/XX/XXXX XX/XX/XXXX Department & Variety Stores

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 12/23/2015 about Credit card () with JPMORGAN CHASE & CO. (OR).
Issue: Advertising and marketing

Complaint: I received a mailer from Chase notifying me that I was invited to receive a Chase credit card ; the language on the mailer said " complete your certificate '', " mail your invitation '', " request your card today ''. Nowhere on the mailer did the words " apply '' or " application '' appear, so I was led to believe that the card was mine, and all I had to do was request it. When I did so, Chase checked my credit report and denied me the card! 

Chase went out of their way to hide that this was, in the end, a credit card application, rather than some kind of automatic, pre-approved offer. **This is clearly a case a misleading/deceptive advertising. ** If I 'm being asked to apply for a card, the word " apply '' should appear somewhere on the letter! 

When I spoke to them over the phone, they insisted that this was an " invitation to apply '', even though the word " apply '' appeared nowhere on the letter I received! If I had known that *denial* was even a possibility, I would n't have responded to the letter - it 's not worth the negative hit on my credit score. 

I am happy to send the CFPB a copy of the letter I received from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I am currently in a Chapter XXXX bankruptcy. The Chapter XXXX Trustee has paid money to my mortgage, but the money is still sitting in a suspense account. The mortgage comapny will not allow the funds to be applied to the loan, nor will they let me make a payment to get the amount to a full payment so that it can be applied. I have about a year and a half left in my bankruptcy, so Chase will continue to earn interest off of the money I 've paid in through the bankruptcy, puls I 'll be paying extra interest on my mortgage for that entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  is reporting three fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since  XXXX    XXXX  , and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are four loans that I DID take out in my name but there are three loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to  XXXX  back in  XXXX    XXXX  . After multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until  XXXX   XXXX ,   XXXX  .  Five  months later, after requesting  one to  be sent to be beginning in  XXXX , they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that  XXXX  is servicing these loans and they are rejecting my fraud packet. However, whenever I call  XXXX  they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on  XXXX   XXXX ,   XXXX   and according to the packet credit reporting was to cease 15 days after receiving the packet, which was  XXXX   XXXX . They have yet to do so and had the nerve to tell me they ca n't because  XXXX  rejected the packet.  XXXX  does n't even know who I am when I call so how can they reject a packet? If anyone from  XXXX  actually bothered to called the  XXXX  number they gave me they would be able to understand that they are rejecting it because they have no record of 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 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am purchasing a home & 30 days prior to closing, my credit is run again and an account with  IC Systems appears as  a new collection account opened in   XXXX   XXXX   for {$530.00}. I called IC  Systems many time s trying to identify where they were getting their information. I knew I had n't opened anything ... I was trying to close on a  home & this  was preventing it. They gave me the line ... '' this is an attempt to collect a debt ' & only wanted to know how I was going to take care of it. I explained this had to be a mistake because I had n't opened anything. They said what they reported they received from the creditor. On another call to IC  Systems, I ag ain try to explain the information they are reporting is not accurate. I again, am given the " this is an attempt to collect a debt '  line &   how would I like to pay '' line and If I do not like what is being reported, I can go through the bureaus and dispute it. On my  3rd  to IC Systems, they again give the " this is an attempt to collect a debt  ' line &   how would I like to pay '' line and I am trying to plead my case to them that the information is not accurate & they are costing me my home. They say if I just go ahead a pay it, they can update with the bureaus over the weekend and it would show paid on my credit reports the following week, as paid. I find this more than frustrating. After more investigating, I discovered  XXXX  collection accounts on my credit report from   XXXX - XXXX  f rom the same creditor equaling the {$530.00} that had been removed in   XXXX  . I called IC Systems for th e 4th tim e and again get " this is an attempt to collect a debt  ' line & h ow would I like to pay '' I am furious because now I know this information is being reported inaccurate for sure. I asked how they could report that information to the bureaus knowing it was false. They again tell me to pay or dispute. I also went online to their website on   XXXX   & filed a complaint there. It said someone would contact me ... still waiting. I then called  XXXX   XXXX  in hopes they would clear this up. The representative confirmed it was from   XXXX   but maybe it was sold or something to another collector. I asked that they change how they reported that & she said they could n't because it was sold ... wow!   No help ... Truly & helplessly unreal!

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 08/20/2015 about Debt collection (Medical) with Receivables Management Partners, LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted TD Solutions LLC at XXXX XXXX XXXX address being XXXX XXXX XXXX XXXX XXXX, IL XXXX and I spoke with a representative by the name of " XXXX '' I reached out to the agency after viewing an amount owed on my XXXX I contacted the agency to resolve the debt and to setup a payment arrangement. I was not advised that the call was monitored and or recorded by the representative until after she had asked me for numerous pieces of personal information nor was I advised of the Miranda warning. I was only advised " this is an attempt to collect a debt '' I had stated to XXXX that I am currently unemployed and in severe financial hardship and I can only afford {$25.00} a month but that I am willing to pay, the representative then told me that in order to accept that I had to give them {$250.00} as a down payment I told her I was not able to afford that, at that point she said she could n't accept {$25.00} and I would need to pay what she was telling me and I would need to call back when I can afford that. I then asked to be transferred to a manager she said I would have to leave them a voicemail I advised her I wanted to speak with a live manager or a team lead if a manager was unavailable she told me my only option was to leave a voicemail then she continued to speak over me cut me off when I was talking and then hung up on me. I attempted to contact the agency back to speak to a manager but was unable to get ahold of anyone.

Company response to consumer: Closed
Consumer complaint received 11/28/2015 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Closing/Cancelling account

Complaint: This account was closed on XXXX/XXXX/09 want to be removed from my credit it 's already more than 6 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2016 about Consumer Loan (Vehicle loan) with Pinnacle Financial Group Inc (MD).
Issue: Problems when you are unable to pay

Complaint: I purchased a car in XX/XX/2014 XXXX XXXX during the time of purchase I found out the car was register to me and another person in New jersey. I never received the car title of this car. Its states on the car fax report that I never even had the vehicle. DMV states that the car was still registered to someone else in New jersey as well as the XXXX History report. at the time when I bought the car. I had the car for about a year I took it to the shop for repairs I was n't able to get the car out the shop so I car shop I guess sold the car I call to check on the car and the car was no longer their. Pinnacle Finance company is now trying to sue me for the car XXXX dollars explained to them I no longer have the vehicle and I do n't know where it is at this time I am finding out that the car was n't still registered in someone else name of the time I had the car never receive the title. Also the car history does n't even show that I had the car registered in md what can I do please me thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: FRAUDULENT INQUIRES WERE INITIATED ON MY CREDIT FILE. REMOVE FRAUDULENT INQUIRY FROM CREDIT FILE.

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 09/25/2016 about Credit reporting () with EARLY WARNING SERVICES, LLC (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: To whom this may concern, This is a follow up to my previous letter sent on XX/XX/2016 that has not received a response. 

I have become suspicious that there is incorrect and outdating information on my Early Warning Services file as a result of identity theft. 

Please provide me with digital copies of my report and further be advised that I have been living outside the country for the past 3 years and have not used a US bank account. I believe my identity may have been stolen by an opportunistic individual with access to my information and knowledge that I am outside of the US. Therefore, I also submit a formal dispute to delete all records submitted to my file within the past 3 years as they are most certainly the result of identity theft. 

I have attached the necessary information to verify my identity. 

Sincerely Yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with PENTAGON FEDERAL CREDIT UNION (CA).
Issue: Payoff process

Complaint: When I pay more than the minimum payment, the card company is applying my payments to the XXXX interest balance first then to the higher interest balances only after the XXXX interest balances are paid off. I thought this was against the law. I noticed my higher interest balances were not changing in spite of me paying more than the minimum payments, so last week I finally had someone at the CC company tell me this is what they were doing.

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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENNYMAC LOAN SERVICES, LLC. (CA).
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 tried to modify my loan in late    2015  through  XXXX   XXXX , I was put on a payment trial plan, once I received all the paperwork I decided it was better not to modify the loan because of the dollar amount to invest.  XXXX   XXXX  then since late    2015  has reported  XXXX  late payments both 30 days late. I have never paid my mortgage more than 30 days late, I did all trial payments on time, I have contacted   XXXX    XXXX  regarding their error and they do not correct the problem, I have also disputed the account with all  XXXX  CRA but  XXXX   XXXX  continues not fixing their error.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: After filing a fraud alert with TU, I filed a complaint with them that they had allowed a third party to access my credit report and add " and XXXX XXXX '' after my name in the record. I also reported that their own XXXX complaint line operator had told me a New York XXXX company named XXXX XXXX XXXX showed in their files as accessing my file in the past ( I was not given the date though it is a part of the file ). 

TransUnion 's response was to tell me that a Fraud Alert had been added to my file and that their investigation was closed. The third party name XXXX XXXX remains on my file and presumably means that entity has full access to my credit report. 

I want an explanation, apology and assurances from TransUnion that they have closed off whatever access device is/was used to access my report, and that they have removed that third party 's wording " and XXXX XXXX '' from my file. 

Otherwise the concept of these XXXX credit bureaus being the XXXX XXXX of US citizens sensitive credit reports, is a farce and it should be known to the US public, as such.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2018 about Debt collection (Mortgage debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNT WITH XXXX XXXX AND XXXX APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 12/30/2015 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My Mother passed away after battling several illnesses including XXXX. As her Executor I have been made aware of a lien from XXXX for a debt they purchased from Chase. Thus far I have been unable to get anyone from plessler and pressler or XXXX to provide first hand knowledge of this debt and to prove it is not part of the recent CFPB XXXX Consent Order with Chase. Every communication has been strictly an effort to get the Estate to pay it without regard to my duty as the Executor.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax experienced a security breach and I have been identified as a potential victim. As a result, it 's possible that unauthorized parties have accessed my social security number, date of birth, address, and other private information that can be used to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Mortgage (FHA mortgage) with NOVA Financial & Investment Corporation (AZ).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX and his team are horrible people first we get pre qualified and when we find a home we send the loan into underwring then at the last minute they said we were denied by the underwriter. ( no letter of explanation received ) so XXXX promises that he has a different underwriter that he spoke to and we will have no problem getting it right through with them the new company. So now nothing is wright they do n't have any of our paper work they needed everything all over again my credit was polled over 6 times just by them and there making me do all this to my accounts on my credit that it dropped my score so low we did n't qualify for the loan now. I even asked him several time if it do this it wo n't effect my score and every time he said no we will be fine. For his team of loan processor s they are just as bad they will tell us one thing then the next day they say no that 's wrong. So back to the loan underwriters come to find out XXXX XXXX left nova home loans the original company we were dealing with and started at XXXX is the same time our loan was denied and our file was sent to XXXX still have yet to receive a letter of explanation for the reasons we were denied in the first place I thought that was required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX XXXX XXXX : XXXX College XXXX -- XX/XX/XXXX GraduateMy private student loans are being handled by Navient. I owe XXXX figures in student loans after spending XXXX years at XXXX College XXXX. I have not been able to afford my loan payments since losing my full time job in XX/XX/XXXX. Before that, while making payments and trying to catch up on missed payments Navient would call myself, my Mother and Father starting at XXXX sometimes more than XXXX times throughout the day. This went on for months. Even once having caught up to my loan payments and missed payments, they would still continue to call us daily to " remind '' us of the approaching due dates. 

Now, fast forward a few months ... they only call XXXX times a day, even though my work situation has not changed and I have informed them of this multiple times. I can not afford my student loan payments working a part time job and still continue to pay household bills. 

Today, Navient began calling family members and friends of mine I had n't seen in years telling them they had a " job opportunity '' for me and to get in touch with me to contact them. This seems absolutely ridiculous to me that they 're reaching out to people I rarely even talk to and bold face lying to them. If this is n't harassment, I do n't know what it is. 

XXXX XXXX

Company response to consumer: Closed with explanation