milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Struggling to pay mortgage

Complaint: My loan is currently being serviced by Rushmore. A lender/servicer can not collect on a debt that is transferred during the default of the loan, which is what happened here since the previous servicer was XXXX XXXX XXXX. Additionally, the main issue is that the BENEFICIARY of this is XXXX XXXX XXXX XXXX, whom was NEVER REGISTERED in the State of California. Because XXXX XXXX XXXX XXXX was NEVER registered in the State of California the Deed of Trust shall be void ab initio. My violations as a Homeowner in the State of California have been severely violated at this point and Rushmore has failed to reach out to me nor provide me with the opportunity to explore my options.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Debt collection (I do not know) with SECURITY FINANCE CORP (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Refuse to validate this account please validate or remove

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: Hi, I recently submitted a complaint with Equifax to report my credit card through XXXX XXXX, also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They responded with the same information that they said previously which was to contact the credit union to have my credit card reported. Well, I 've done this with the credit union and they claimed to have reported the credit card to Equifax. I 'll include email confirmation from the credit union stating that they 've reported this information to Equifax. I ask that Equifax contact the credit union to make sure this is reported. I 'm also going to submit a complaint against the credit union providing the exact same information asking them to contact Equifax. I 'm tired of going back and forth between the two companies and each of them telling me to reach out to the other. I 'm not asking for a lot at all. I just simply want my credit card reported which I know will increase my credit score and all me to do other things that I desire with my credit. There needs to be communication between the two companies. I 've provided as much information as I possibly can at this point. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Can't contact lender

Complaint: Lender sent me a letter Demanding payment in full. They assume I 've been avoiding them and I have n't because they never contacted me to setup a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I purchased a new motorcycle from XXXX with XXXX XXXX for the loan in XXXX. I was fully covered with insurance for the vehicle and GAP insurance for the loan. The vehicle was totaled on XXXX XXXX. I notified XXXX of this the following week. My monthly payments were about {$160.00}. My insurance company sent a check for over {$4000.00} to XXXX, however, XXXX said I was late making a payment. My GAP insurance sent XXXX a check for the remainder of the amount owed on the loan. When I found out my credit score had negative remarks on it greatly lowering it, I called XXXX. They told me that since I did not pay them {$160.00} that my account was delinquent. They said even though the insurance paid multi-thousands more than the {$160.00}, it did not count since it I did not make the payment. Both my auto insurance and GAP insurance have paid the total of the loan within a couple of months, however, my credit is still damaged because of XXXX. I have been communicating with XXXX and have submitted to them all the documatation they have requested as soon as I had them, as well as other documentation from the insurance companies that their money is on the way.

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 11/14/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (AR).
Issue: Loan modification,collection,foreclosure

Complaint: Chase Mortgage : I was behind 2 mortgage payments. Chase recommended a loan modification. After 6 months, and request after request for documents, we were denied. The reason : the home is not our primary residence. We have a USDA backed loan. USDA loans are not eligible for modification if it is not your primary residence. This is a fact that was discussed with Chase from the very first conversation concerning the modification, yet they still allowed us to go through the process. So, Chase had us go through a loan modification we were never eligible for to begin with. This has resulted in thousands of dollars in foreclosure fees and late fees and has ruined our credit. Other bad practices by Chase : they returned a check for payment on the mortgage as it would opt us out of the modification, they lost over {$2000.00} of our money for nearly 2 months following payment, in full, of a reinstatement quote to bring the mortgage current following the failed modification, they refused to speak to me when I asked to escalate the issue of 2 late payments as a result of them losing the money, failure to explain withdrawals from my escrow account in the amount of {$200.00} and {$720.00}, I could go on ...

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Billing disputes

Complaint: Please see my Complaint # XXXX of XXXX XXXX. The following information refers to an additional letter received from Bank of America, and your office may want to add it to my first complaint or else establish a new complaint. The reason is that I intended the complaint of XXXX to cover XXXX, but Bank of America apparently has separated my dispute of charges into XXXX cases, the first one with Bank America Case # XXXX concerning XXXX and the second XXXX received recently, as described below, with Bank America Case # XXXX concerning XXXX. As described in the enclosed copy of my faxed reply to Bank America 's recent XXXX letters dated XXXX, the XXXX paragraph describes some kind of activity after you put the original complaint in motion. However, Bank of America sent me XXXX letters re their Case # XXXX, XXXX requesting more information which I do not have and the second requesting that I choose XXXX " description of my situation '' as well as requesting my authorization to cancel my current credit card and let them issue a new XXXX. The enclosed copy of my fax indicates these facts that I ca n't provide more information requested in the first letter and that I will not authorize the cancellation/reissue move. With reference to my refusal to authorize the cancellation of my current credit card and issuance of a new card, I crossed out the authorization because it will not solve the dispute but it will have an adverse effect on my currently excellent credit rating. I believe that with this latest request Bank of America is now resorting to threats, which is simply reprehensible. Finally, as noted in my faxed reply to Bank of America, I was unable to learn who XXXX Customer Care Resolution is or who FIA Care Services is, but the message one gets upon dialing XXXX XXXX XXXX XXXX is that FIA Care Services is a debt collection company. I would appreciate your help with this additional turn of events since Bank of America has created this confusion and threat.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-02-2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Problems when you are unable to pay

Complaint: I received a judgement ( request and writ for garnishment ) slip from a company that I contracted for last year. This debt is more than 20 years old and is not valid or right according to my research. To elaborate on the situation here are the details, purchased a vehicle back in 1996, after a time the vehicle was stolen, no use in continuing payments on a vehicle that I no longer had possession of and yes the information about the theft was provided to Credit acceptance. Fist this debt is way over the statute of limitations and secondly I have not been served any papers to appear in court to defend the validity of the case. I do not have any papers due to the fact of the age of this situation and I am looking to see if there is any remedy for me due to improper handling of an old debt.

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 05/15/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is my second complaint against Chex Systems. I am a victim of identity theft and I have unauthorized and fraudulent inquiries on my Chex Systems consumer report. The following inquiries are unauthorized and fraudulent : 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 04-04-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I had an account with Wells Fargo in XXXX, CA ( on XXXX XXXX ) a year or two ago and closed it after noticing on my statements that the bank was charging me {$100.00} every time the Department of XXXX XXXX XXXX asked them to fill out a form regarding my account. The bank received XXXX of these requests in a XXXX month period-my statement was reading that I was overdrawn -- by a lot. I do n't feel it should be an expense of mine-I was not informed, anywhere in the paperwork they give you when opening a new account, that I would acquire this fee upon any paperwork needing to be completed regarding me or my account. I recently tried to open a bank account at the local bank in my area and was denied because of this situation. On the statement the bank handed me when denied, it reads that it was my fault : {$250.00} and reason for account closure is " Account Abuse ''. This is not right on so many levels. Please let me know how this can be rectified and both parties can move forward from here. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has repeatedly reported late payments on a mortgage that clearly ( and repeatedly ) has been shown to not have late payments. Our most recent efforts to correct this began back on XXXX XXXX, 2016 and have been met with nothing but automatic email responses telling us : " Please be advised we have received your email and are currently reviewing your request. You will receive an email response once the review is complete. '' This is unacceptable! A phone call today seems to have resulted in an escalation, but this has happened before without permanent solutions with them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been denied a loan modification by bank of america for the third time without submitting the package to the Investor for final review and decision. Bank of america is just the servicer, and the investor for this mortgage requires that all decisions for loan modification has to be submitted to the investor to look at the supporting documentation before granting a decision. We appealed the decision to no avail. The bottom line is that bank of america has a backroom policy to deny modifications so that they and their secret investors can remove people from their loans. This loan was part of the countrywide product and this servicer puts all investors in one box. XXXX is an investor that has our mortgage and wants to work with us but bofa has refused. One employee even told me that because we are current that means we have not met the hardship requirement and therefor no need to move forward. There are other criteria for hardship that we submitted to the bank such as XXXX % reduction in income from my wife caused by XXXX XXXX and therefore a XXXX even submitted a doctors not violating the hippa policy which they refused to acknowledge. Interest adjusted from 3 to 4.37 % in XXXX XXXX and it is going to adjust again in XXXX to 5.37 % approximately. My gross income was increased by the bank contradicting what I gave them from my personnel office. The bank stated that I make approx {$1000.00} more than what I actually make. They have been made contradictions and violations by bank of america. One contact person investigating inaccurately reported completing a thorough investigation and made false remarks in his report. The contact person even indicated to me that they have other options if bank of america will submit a package to them for their underwriters ( XXXX ) to complete the final packet. Bof A continues to take our payments and apply it to interest only which is against the law. Our payment coupon clearly indicates that it should be applied to both principal and interest but the bank is reaping us committing an illegal act. The remedies we seek are permanent modification with reduced interest and payment we can afford. credit us back {$93000.00} aprox. for fees and charges that we added to loan illegally. pay us for the violations that have been committed by bank of america.must submit the modification to XXXX XXXX group to handle all processes and decision on the modification. Bank of america should not be part of the process and let impac handle the entire process. Their employees and back end employees should not be part of the process. XXXX can and should handle it from start to finish just like they did before in XXXX. My name 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 06-07-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (LA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I began the consolidation process with Fed Loan Servicing XXXX XXXX XXXX after XXXX. I called Fed Loan Servicing and spoke with a customer service representative. I asked what my student loan payments would be if I consolidated all of my students loans with XXXX servicing center and was initially told that payments would be between $ XXXX {$400.00}. At the time, I realized that I had many student loans and this would work for me. After completing the paper work, I was sent notification that I qualified for Income Based Repayment and that my payments would be approximately $ XXXX, a little more than I expected, which I accepted. I then received notification from XXXX that I had additional students loans and made arrangements to have those loans consolidated with the other loans through Fed Loan Servicing Center. In the meantime, I put my loans in forbearance and was scheduled to begin payments in XXXX XXXX but realized that my payments had increased from $ XXXX to $ XXXX. After speaking with several customer service representatives and XXXX supervisors, I was told by XXXX, the last supervisor ( ID # XXXX ) with whom I spoke, that the increase was because the servicing center had initially put my loans in the wrong program. I spoke with a customer service representative who admitted this ; however, I do n't think that she was supposed to admit it since I had spoken with XXXX customer service representative and a supervisor before her who did not indicate that a mistake had been made. XXXX admitted it only after I had spoken with her and demanded that she forward me to a supervisor. I was told that I did not qualify for Income Based Repayment because of a {$6000.00} Parent PLUS Loan that was included in the initial consolidation and that my account was put into the Income Contingent Program when the additional loans were added and Fed Loan Servicing recognized their mistake. I did not receive notification of this initial mistake. I did ask that the servicing center choose the lowest payment program in my initial application but would not have agreed to these terms because I can not afford it. I knew the payment would increase but I assumed it would be based on the Income Based Repayment program and that it would not almost double. I have asked if I can appeal the terms of the loan consolidation since Fed Loan Servicing admits they made a mistake and was told there is nothing they can do. They offered to continue to put my loans in forbearance ( every 90 days for 3 years ) until I can afford to pay the $ XXXX. I also asked that this company work on having customer service representatives provide accurate information and was told that they were sorry I had not be given the correct information. I would like to have the Parent PLUS Loan removed from the terms of my consolidation loan so that I can qualify for the Income Based Repayment program on the remaining loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Debt collection (I do not know) with CCS Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am getting XXXX calls per day from " Credit Collections '' for my ex. I have informed them via their online form he has not been at my home number since 2010 but they continue to call, disrupting my business ( I XXXX ) and waking me early in the morning on weekends. They are calling from XXXX to my home number have at least one time left a voicemail asking if the person answering is the ex who moved out almost six years ago. I have no legal responsibility for his debt, regardless of what it is but ca n't get these people to stop calling my house. They have called XXXX times that I know of.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have multiple duplicate inquiries on my credit file. I received an notification a while back on XXXX they were removed and they have reappeared. I have alot of duplicates from the same day and that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Medical) with Receivable Management Group, Inc. (GA) (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Doctor was paid by insurance after they appealed due to 'out of network ' status. Doctor chose to accept insurance payment and write off remainder. I have statement from doctor 's office showing XXXX balance that I owe. Debt collector, however, apparently did not receive the settlement notice from the doctor 's office and is continuing to pursue the balance from me a year after doctor 's office accepted settlement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Mortgage (Conventional home mortgage) with Capital Markets Cooporative, LLC (TX).
Issue: Trouble during payment process

Complaint: I closed my loan with XXXX XXXX and prior to my first payment, it was sold to XXXX XXXX XXXX XXXX to service the loan. I received notice from XXXX that my loan was being sold to XXXX XXXX who would maintain the servicing of the loan. I did n't receive the welcome package from XXXX XXXX until a few days before my due date. I then went to their website to try and register so that I could pay my mortgage on XXXX/XXXX/XXXX. The website kept saying they could not find my mortgage loan so I could not register and make a payment. I called the number listed on their website multiple times on XXXX/XXXX/XXXX - XXXX/XXXX/XXXX with no luck in getting in touch with someone at the Company. On XXXX/XXXX/XXXX, I sent a email to someone listed as a region manager who then reached out to help. He stated that my loan number was listed wrong on the paperwork ( they left off the first 3 digits on the letter ) and gave me the correct loan number. I was then able to register and make my payment but at a charge of approx. {$8.00} given it was a " expedited '' payment due to it being late. RESPA protects me from late charges and reporting me being late on a payment given my loan was sold prior to the first payment. I told the Company that I had no other choice but to make the payment online with them and the site gives me no other option to pay so I was forced to pay the " expedite '' charge. I ask them to refund that charge given it was not ethical to charge me to make my first payment with you and not provide other options at this time. The company stated they would try but that they normally do n't refund this because it was my fault I was late ( which is not true ). I work in the mortgage industry and with the largest mortgage servicers and this is the worst practice of mortgage servicing that I have ever seen. Please respond immediately with corrective action.

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