milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-01-2017 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Settlement process and costs

Complaint: In XXXX, I purchased from XXXX Mortgage my primary residence in XXXX XXXX Maryland for {$120000.00}. My mortgage was automatically transferred to XXXX Home Loans. In spring XXXX, I refinanced my mortgage with XXXX, taking {$80000.00} cash out to invest in a company called XXXX XXXX XXXX. As an investor, XXXX XXXX XXXX made the mortgage payments as a partnered investment. Therefore, I invested in a second home. The mortgage payments on my investment home, and primary residence, including the mortgage payments on the {$80000.00} refinanced loan amount, continued to be paid. In XXXX, the Maryland State 's Attorney ordered XXXX XXXX XXXX to seize and desist because it was found to be a ponzie scheme. Due to my inability to afford XXXX mortgages after the XXXX XXXX XXXX 's scheme failure, I defaulted on the investment property. But I continued payments at my primary home as the mortgage payment was manageable. 
Throughout the life time of my mortgage, it was transferred to several different lenders. XXXX XXXX Mortgage, XXXX, XXXX XXXX Mortgage, and now Chase Mortgage I began a loan modification with Chase Mortgage, and was lead to believe that I had to take what Chase Mortgage offered, or risk losing my primary residence. 
What concerns me most is the amount that I am now told that I owe on a home that I purchased in XXXX. It far exceeds what I expect to owe after having been in my home for over 20 years. I am no closer to owning my home now, then when I purchased it in XXXX. I feel that I am a victim of predatory lending. I am requesting the CFPB to assist with my concerns. My mortgage increased from {$120000.00} to over {$330000.00} and I only made XXXX refinance loan for {$80000.00} during the term of my mortgage. I must admit that I am not very savvy with all of the mortgage jargon, and I believe that I have been taken advantage of by the mortgage companies. As XXXX era Veteran and federal government retiree, I am living on a fixed income and would like your assistance. It is my hope, that as a consumer, you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Debt collection (I do not know) with Wilson, Riley & Associates (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: They have called myself and my parents looking for me from a blocked number and also from XXXX, claiming they are with the sheriffs office and will be showing up to my home to serve me a court order, over a month later no one has showed up or sent me anything by mail. I have no clue what the debt is for, they called my mother and yelled at her for no reason. I called them today and a male answered sayung the company is 'Wilson , Riley and Associates ', he asked if the sheriff showed up for me yet, i told him no and i requested a validation letter, he confirmed my address ( not once did he verify if i was the right party ), and i still do not know what the bill is. Research on XXXX has stated this company is fraudulant

Company response to consumer: Untimely response
Consumer complaint received 04/14/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Citicards XXXX is listing a credit account on my XXXX credit report that is not my account and is a fraud account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Mortgage (Other mortgage) with CORNERSTONE MORTGAGE COMPANY (WA).
Issue: Application, originator, mortgage broker

Complaint: I contacted a mortgage broker XXXX XXXX XXXX # XXXX at Cornerstone home lending in XXXX WA about setting up an appointment for going over the different types of loans that are available so that i could make the determination whether i wanted to buy a house or build a house USDA vs conventional or FHA. That 's when XXXX XXXX replied saying that it would be no problem, so we set up an appointment for XXXX/XXXX/15. He added that we needed to fill out an " online questioner '' which was on his web page under prequalify for a loan. Within minutes, I was notified by a credit reporting agency that he pull a hard credit report. I contacted XXXX and asked him why he did a credit check without asking me and he stated that I asked him to run a credit check and told me congratulations that I was prequalified for the home loan. I never asked XXXX to do a credit check. All I wanted was a consultation to find what type of loan would work the best for me, which was originally stated in the the first email. I originally meet XXXX at low income FHA seminar that was hosted by XXXX So now I 'm concerned that if I want to refinance in the near future that this could effect my interest rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: In XX/XX/XXXX, I tried to dispute a charge on my XXXX XXXX  from a company called XXXX. The charges totaled over {$20000.00} around the time of XX/XX/XXXX.

I think misunderstood my dispute because I got a letter denying my dispute claim for the reasons not being within the 60 days after suspected errors on my statement, However the problem here is not about an error, but instead the reason for my dispute is : I did not receive the product and services as was described to me. I find that not only did they misrepresent and not provide the services, they knowingly mislead me and coerced me in to giving them an outrageous amount of money to purchase the Platinum Ecommerce Website and Stage 3 Marketing Package because I was led to believe I would be getting a website with marketing that was superior to my current online business, yet it was completely under their control. I paid the hefty {$20000.00} for a XXXX site thats is worthless and horrible backend functionality. in the end it has cost me time and money ( due to lack of efficiency ) they have kept my money for a product they never delivered.

PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO OTHERS BEING DECEIVED!

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions last 2015, this credit reporting company would comply to the settlement. According to this link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one

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 04-09-2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan modification,collection,foreclosure

Complaint: My property was sold. It was agreed with Bank of America that I would not have derogatory information reported to credit reporting agencies due to the XXXX balance of the transaction. 
That appears to be an inaccurate promise from Bank of America. XXXX and XXXX has derogatory information from XXXX and XXXX on my 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 explanation
Consumer complaint received 11/30/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA).
Issue: Struggling to pay mortgage

Complaint: I am trying to fight through roadblocks put up by my mortgage lender XXXX XXXX XXXX. They took over my loan from XXXX and have consistently lost paperwork, changed account managers and failed to review my current financial information and give me access to the government and internal programs they have so that I can save my home. They recently claimed that they had reviewed my financial information but stated I was denied because my monthly income is only {$1400.00}. That is not even CLOSE to accurate. I receive pension as well as XXXX and it is over {$2000.00} per month. It seems that Rushmore is just making an excuse to foreclose as they have set a sale date for XXXX XXXX. I have lived here since XXXX and XXXX XXXX  XXXXXXXX XXXX for just as long. Approximately one year ago I began having serious health issues and was forced to be hospitalized for XXXX XXXX XXXX. By the time I got out of the hospital I was behind on the mortgage, and unable to work. I have now been classified as permanently XXXX and I am on a fixed income. I have repeatedly tried to get Rushmore to engage in a fair and transparent negotiation so that I can resolve the matter of my delinquent payments but this has proven to be difficult. It is a constant runaround and paper chase and it seems that they are intentionally trying to stall so that they can foreclose on my home. I think it is wrong to mislead a US veteran who is now XXXX and try to force me out and not even give me chance to fix this situation. 

I needed to take some cash out and was steered/duped into a predatory high interest rate ARM loan by XXXX. When I realized what was happening at the signing table I objected but they told me not to worry, I could always refinance into a fixed rate loan later. It wasnt long after that property values tanked because of the recession and the hope of refinancing was gone. As my payment adjusted up I struggled and tried to get XXXX to help me at that time. They did offer me a modification, but it was a temporary fix, and after a few months my payment became higher than it was BEFORE the loan modification. XXXX was difficult to deal with and it is not surprising that they were fined and sanctioned by the Department of Justice for unethical foreclosure practices. When XXXX went out of business they sold my loan to Rushmore for pennies on the dollar and I feel that Rushmore is obligated to work with me to put a plan together so that I can save my home ; I was duped by XXXX at origination and then put into a modification that they said would lower my payment but they told me it was permanent and six months later the payment was higher than it had originally been! I cant afford my payment, it is close to half of my monthly income and I am significantly underwater and need help because Rushmore is ignoring me and trying to auction off my home!

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient is reporting on all XXXX of my credit reports as several times for different accounts under different options. Some are in good standing while other are not. I suppose to be under IBR and at the moment have a zero balance. It is really putting a negative on my report and scores

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit card () with SYNCHRONY FINANCIAL (WA).
Issue: Other

Complaint: I received a XXXX from Synchrony Bank for a PayPal credit card. The XXXX stated the identifiable code for the cancellation of debt was " G '', which is " Decision or policy to discontinue collection. '' Due to this, I submitted a request to XXXX to remove this account from my credit report, they did not. I am requesting that this account is removed from all of my credit reports due to the fact that Synchrony Bank is discontinuing collection, issued me a XXXX and I am now liable for the amount of debt discharged on my taxes. The continued reporting of this account on any of my credit reports is not accurate.

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 06/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Due to the unsuccessful  XXXX   XXXX   XXXX  Credit Card, Comenity sent letter to all cardholders that effective  XXXX   XXXX ,  XXXX  the credit card will be closed and no purchases will be accepted. We were told to contact any creditor that had reoccurring charges with  XXXX   XXXX   XXXX  credit card and provide a valid Credit Card. I had no reoccurring charges and I have destroyed the card. On  XXXX ,  XXXX  and  XXXX  Comenity has charged my closed account  XXXX  each month for  XXXX  that I cancelled in  XXXX   XXXX . I called Comenity early  XXXX  about the charges and they indicated it was done in error and reversed the charge for  XXXX . The supervisor assured me that they would not accept anymore reoccurring charges, however most recently I was charged again another  XXXX . I am being charged interest on this account and Comenity continues to accept charges on this closed account and I 'm getting the runaround when I called customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: 2nd letter sent by certified mail to Experian, XXXX, XXXX & XXXX XXXX they all have lied they Never Ever received my letters to have all of the accounts I listed should be VALIDATED not a verification VALIDATED they have refused to start an Investigation started stating no Certified Mail was received which is a Lie it was received on XXXX XXXX the Investigation need to be done by XX/XX/XXXX. XXXX tracking information can be given if requested I have spoken with a XXXX, XXXX, all have lied & XXXX was very nasty & rude I DEMAND that all accounts be VALIDATED by XX/XX/XXXX & results be sent by email to XXXX along with all Inquiries listed on credit file to be VALIDATED XXXX on XX/XX/XXXX & XX/XX/XXXX with an Collection acct. under XXXX XXXX # XXXX for {$870.00} that needs to be VALIDATED they have removed Accts from this file that was not disputed or was asked for them to investigate acct named XXXX XXXX XXXX # XXXX I Demand they reinstate this acct. ASAP as this acct wasn't on the list I can provide proof of the accounts that was asked to be VALIDATED listed within the Certified Paper work that was received on XX/XX/XXXX I can provide this proof if requested I WRITE THIS TO INFORM YOU OF THIS FRAUD PRODUCED BY EXPERIAN, XXXX, XXXX  etc. If results are not done by XX/XX/XXXX a lawsuit will be filled on these 3 credit reporting agencies UCC 1-308 WITHOUT PREJUDICE

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 01/19/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: CHASE PROMISES TO MAKE AVAILABLE YEAR END SUMMARY. 
CHASE DOES NOT FULFILL THIS PROMISE. XXXX XXXX CAN NOT ACCESS ONLINE. XXXX XXXX CAN NOT ACCESS BECAUSE HE GETS THE ERROR Duplicate headers received from server ERR_RESPONSE_HEADERS_MULTIPLE_CONTENT_DISPOSITION Hide details The response from the server contained duplicate headers. This problem is generally the result of a misconfigured website or proxy. Only the website or proxy administrator can fix this issue. 
CHASE XXXX XXXX XXXX XXXX MISLEADS BY PROMISING ME YEAR END SUMMARY. CHASE SHOULD USPS MAIL IT TO ME BECAUSE IT DOES NOT OPEN UP ONLINE. CHASE MISLEADS. SEND IT NOW BY USPS MAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (Store credit card) with JPMORGAN CHASE & CO. (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Chase Ba nk USA keeps sending me a request for addition information regarding an AMAZON.COM Visa card that I have applied for with there Bank. This has been going on for several years. They s end the request too an old address where I use to live. I called them and requested that the remove my address from their mailing list. They wanted to give me a credit reporting agency number and Asked too speak with a surpervisior and was told that they would call me back which of course never happened. How hard is it to get removed from someone 's mailing list?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2017 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian " investigated ". The negative items on my credit report in less than a few hours and made no changes and did not supply me with proof that the items were investigated or supplied any proof that they contacted the original creditor.

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 08/30/2017 about Debt collection (I do not know) with Professional Debt Mediation, Inc. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received repeated phone calls from a company called PDM, which I learned is a debt collection company. When I answer the person on the phone aggressively requests that I identify a person. I let them know on each occasion that I am not that person and I have asked them not to call me several times, including most recently when I called this company back today XX/XX/XXXX. I received calls on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Other mortgage) with Capstone Funding Group, Inc. (NY).
Issue: Settlement process and costs

Complaint: Capstone has refinance my present mortgage with XXXX, I have several complaints with your office regarding XXXX. XXXX was the Servicers XXXX ( see attached complaint number ) So I ask Capstone to change Servicers and Capstone denied my request., sencodly Capstone payoff XXXX XXXX complaints will be file today ) but the lien is still showing owed with the XXXX XXXX ''. I believe was planned. So Capstone or XXXX because they refuse to XXXX in making XXXX correct issue with money owe to borrower ( myself ) late fee that never happening and now loads lien to still existing with XXXX COUNTY '' Capstone or XXXX do n't care to assist in any thing the XXXX does. XXXX Capstone still has n't given borrower the signed close documents for this loan for XXXX and XXXX was payoff to XXXX

Company response to consumer: Untimely response
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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: Between  XXXX   XXXX  and  XXXX  this collection has been taken off my report and placed back this is not the first time. I was able to screen shot it this time. I have not signed any contract with this company and I feel it should be removed from all my reports as it has and been put back on I feel that this is unfair to remove items and place them back

Company response to consumer: Closed with explanation