milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I requested a payoff statement on XXXX XXXX, XXXX from a representative at Bank of America which I never received. On XXXX XXXX I called Bank of America and spoke with Senior Customer Representative, XXXX XXXX at Bank of America who provided me with my pay off statement in the amount of {$300000.00}. At this time I sent my presentment and negotiable instrument to Bank of America certified receipt number XXXX. I then received a call from XXXX XXXX who informed me that my paperwork had been process and that I would receive my letter on reconveyance within 7 to 10 business days and that all the other related documents will be sent within the next 60 to 90 days. On XXXX XXXX, XXXX I received my letter of satisfaction ( XXXX Pay Off- LetterOfSatifaction XXXX XXXX/XXXX/XXXX ). Then on XXXX XXXX, XXXX I received my G/L Transaction ( XXXX LNHIST XXXX XXXX/XXXX/XXXX ). On XXXX XXXX, XXXX I went to the XXXX Registry of Deeds with the documents that Bank of America sent to me and the informed me that they sent me incomplete paperwork and they would not be able to process my request. I immediately contact Bank of American on XXXX XXXX, XXXX and spoke with XXXX who informed me that she will forward this request Pay off Department and I would receive a follow-up call from that Department. I then called again on XXXX XXXX, XXXX I was informed that they are still investigating. I also called Bank of America on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and was informed that they are still investigating. I then called on XXXX XXXX and XXXX XXXX of XXXX which the phone went to voice mail, left voice mail with no return call. Then on XXXX XXXX, XXXX I received a bill from Bank of America and called them immediately and I spoke with XXXX who escalated to her supervisor. She then asked me " who told me to send those documents " and I responded it 's the law. I then asked her to refer to the XXXX and The Fair Debt Collection Act. She then said that Bank of America will require additional time. On XXXX XXXX, XXXX I spoke with XXXX from the Payoff Department who informed me that Bank of America would respond to me via mail on XXXX XXXX, XXXX. I did not receive anything and called XXXX who informed me that she would require additional time and that I would receive a response via mail on XXXX XXXX, XXXX which again I did not receive. I called XXXX on XXXX XXXX and XXXX of XXXX I had to leave a voice mail but did not receive a call back. Finally on XXXX XXXX, XXXX I received a letter from Bank of America with their false statement of fact which I have included. I have been forthright during this process and have been more that patient. Bank of America has violated my right according to the XXXX, Fair Debt Collection Act, Chapter 63, Emergency Economic Act of XXXX and Joint House Resolution Act of XXXX and they need to held liable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian continues to report my current address as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX. I have never lived at this address and I disputed this with Experian, but Experian did not correct this error. None of the other credit reporting agencies list this address at all.

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 06/18/2017 about Mortgage (VA mortgage) with LoanCare, LLC (AP).
Issue: Trouble during payment process

Complaint: I 'm currently XXXX XXXX in XXXX XXXX and I have a VA home loan as of 2011. My original Home lender was XXXX XXXX. In the month of XX/XX/XXXX I noticed that my direct withdraw for my mortgage was not being done. I contacted XXXX and they informed me that my loan was transferred to LoanCare. I looked up LoanCare online and according to their website, they say it could take 60 to 90 days for the loan to complete. Around or about 90 days I contacted LoanCare regarding my loan and  asked if I could set up my online withdraw, I was told no not at this time and I could give my back account information or pay through XXXX. Paying mortgage through XXXX or giving away my bank account information without official notice of loan transfer is not the proper way of conducting business. I recently contacted LoanCare and was told that my Loan was in the process of foreclosure. As of todays date I have not received a loan transfer notification or notice of foreclosure.

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 02/14/2018 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: Account status incorrect

Complaint: XXXX XXXX transferred my mortgage in XX/XX/XXXX. XXXX # XXXX I recently checked my credit report after my score dropped significantly for no apparent reason. 
My credit report shows that XXXX XXXX  reported a Late Payment to Transunion for a XX/XX/XXXX payment. 
I disputed this late payment on a closed account ( closed/transferred in XX/XX/XXXX ),  via Transunion and XXXX did not correct it. 
My lower credit score as a result of this incorrect late reporting on an account that has been closed for 5 years, is preventing me from qualifying for a new home. 

I am attempting this CFPB approach as a final attempt to get this corrected before I retain the services of an attorney to sue XXXX XXXX and to be made whole.

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 02-06-2017 about Credit card () with JPMORGAN CHASE & CO. (SD).
Issue: Delinquent account

Complaint: I receive daily collections calls from Chase at my work number.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I gave up my XXXX and became a XXXX of the XXXX XXXX, I am now in the process of becoming a XXXX XXXX now. I tried to get my credit report but I am unable to answers the questions that it say I have a mortgage, a credit card from XX/XX/XXXX, a new car that was purchased in XX/XX/XXXX in my name. The questions ask me for the monthly payments on the house mortgage, and car loan. I ca n't answer a question I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft There has been a breach of my personal information as : A credit card account, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

I 'm formally requesting for it all to be removed immediately from 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 non-monetary relief
Consumer complaint received 07/29/2016 about Mortgage (Conventional fixed mortgage) with TCF NATIONAL BANK (MN).
Issue: Application, originator, mortgage broker

Complaint: I wanted to refinance my current mortgage that is currently over 6 % and I am paying mostly interest to a current more reasonable rate. The vendor that currently has my mortgage is XXXX XXXX XXXX ( TCF XXXX XXXX ) bank. I was working with the Branch Leading Manager, XXXX XXXX I was being bullied so I chose to cancel the process and pursue another strategy during the negotiation process. They chose to publish that my " Value or Type of Collateral not Sufficient '' and " Income - Excessive Obligations in Relation to Income ''. I asked to change the wording to be more truthful but they refused. I contacted the MN Attorney General office and they were able to get them to send me a letter, but still refused to change to document, which is available to thousands of people. Also it may be available to other creditors. Basically I would like it to be truthful. I have an excellent credit rating of over XXXX and I have never missed a mortgage payment. I think they are trying to keep me for going to another vendor by publishing a bad report. 

I do n't feel I should be the victim of this behavior and I am concerned that they have abused others who are more vulnerable. 
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 08/30/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I asked to investigate all the fields on the act. but they come back with a verification that the balance is not reported by the the creditor. If they ca n't verify the balance is XXXX after well over 45 days they should have deleted the acct. They are slopy when they fix something they XXXX others

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 02/23/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: ILLEGAL FORECLOSURE Auction against our home - set for tomorrow, XXXX XXXX, XXXX, XXXX at the XXXX. entrance to the County Courthouse, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. We appeal to the authority of your Offices for consumer protection and investigation of Nationstar Mortgage LLC. 

NO LENDER NAMED on the purported Notice of Default, nor in the XXXX ( expired ) /XXXX NOTICE of TRUSTEE SALE..for an alleged account that DOES NOT belong to Consumer. No records of alleged debt. No " competent and verifiable material evidence '' to prove its claims and its BONA FIDES. Alleged DEBT remains to be in DISPUTE -the issues on its " intentional misrepresentations '' of the nature, character and amount of debt REMAIN to be OPEN. Nationstar could not even agree with its conniving agent Quality Loan as to the amount of alleged debt purportedly owing - with an exceptional $ XXXX variance in its Statement of XXXX/XXXX/XXXX -- - 3 days from Quality 's Notice of Trustee Sale issued XXXX/XXXX/XXXX. 
ALL Nationstar has are documents that anyone could obtain from public records, then stakes a claim against our home by recording its XXXX assignment instrument, purportedly from XXXX in XXXX XXXX, and notarized all the way in XXXX, XXXX! [ Perhaps, XXXX XXXX ran out of notaries ...? ] This instrument of course violates Federal and State Laws - CA Penal Code 115 for robosigning, XXXX HOBR 2924.17 for lack of competent and verifiable evidence to support the same, and then XXXX Civil Code 2936 that provides " assignment of a debt secured by mortgage carries with it the security " Nationstar 's XXXX assignment is of course not supported in any way in its alleged copy of Note in XXXX ( in Court records ) - that is left devoid of any " Nationstar '' marks ... 

ALL THESE and more " intentional misrepresentations of material facts '' and dual meanings per FDCPA ... .as basis for its UNLAWFUL foreclosure auction tomorrow ... for its undue enrichment. 

THANK YOU CFPB for your remarkable efforts in cracking down unlawful and deceitful practices in the finance industry to protect U.S. Consumers from predators who violate laws for their undue enrichment. We trust your investigation of our case would merit an enforcement action against Nationstar Mortgage LLC. [ exhibit files to be faxed shortly ]

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Payday loan) with JTM Capital Management, LLC (MI).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: All of the above happened actually. I am receiving frequent and repeated calls, the caller is using obscene and profane language, he is calling and harassing my family, and I have sent in a letter asking them to only contact me by USPS. I have never received anything in writing from the company, even though it has been requested and they are continuing to contact my family, friends, and people I do n't even know about my debt breaking every privacy act for me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity was stolen and someone use my information to opened number of account 's in my name it's causing me too much stress with my wife XXXX, XXXX. 
Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated - Credit Limit - Past Due Amount {$1500.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXXXXXX, XXXX, IL XXXX Ownership Individual Original Creditor XXXX XXXX XXXX Company Sold-to - Original Amount {$1500.00} Comments - DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$180.00} Balance Updated - Credit Limit - Past Due Amount {$180.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$180.00} XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$900.00} Balance Updated - Credit Limit - Past Due Amount {$900.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$900.00} Comments -

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 10/20/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: am writing this letter to request that you remove the late payments and the negative items reporting to thee credit bureaus. I know it is your power to do so via theFair Credit Reporting Act. 

Speaking with the lawyers and the closing company it is standard via a short sale package for the creditor to remove all negative trade lines and stop reporting to the credit bureaus. I am selling via short sale with your approval. I need to put this short sale hind me and move on. 
I am requesting that you remove all negative payments and stop reporting the trade line altogether and not report the short sale. 
There are several letters requesting the same in the short sale package and it had stop being reported but now the debt is being reported again XXXX. I am sure this is an oversight. 
I am now attempting to improve my credit score, but am having difficultly due to the negative listing on my credit report. Therefore, I respectfully request that you remove this negative listing from my report as a gesture of goodwill. 
XXXX XXXXDelete all XXXX Special loan service, trade line for all XXXX credit bureaus and not report the short sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Application, originator, mortgage broker

Complaint: In 2008 We had a Countrywide loan when Bank of America took it over. Bank of America immediately put us into foreclosure proceedings even though we were not late on our loan. It took us 4 years, and finally negotiations from our state senator forced them to write us a Harp loan at 7.5 % interest. We want to refinance now and everywhere we go, they wont talk to us because our credit is showing XXXX late over 90 days. This is NOT OUR FAULT! How do we get them to remove it from our credit?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with WELLS FARGO & COMPANY (TX).
Issue: Confusing or missing disclosures

Complaint: I opened a bank account with Wells Fargo in XXXX, took out a credit card but never paid back what I owed.Now on XXXX I decided to pay what I owed to try to reopen my account and could n't because I have a bad report now I need help to finding out what I need to clear everything to be able to reopen my account with Wells Fargo.

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 06-02-2017 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: Information belongs to someone else

Complaint: XXXX   XXXX   IS REPORTING  2 COLLECTIONS ON MY CREDIT REPORT ONE  IS FOR  XXXX  OPENED  XX/XX/XXXX . AND ONE FOR  XXXX  OPENED   XX/XX/XXXX .  I HAVE NOTIFIED   XXXX   XXXX   AND LET THEM KNOW I WAS A VICTIM OF IDENTITY THEFT IN THE PAST. I SENT A LETTER TO THE CREDIT BUREAUS AND FORWARDED A COPY OF THE POLICE REPORT AND IDENTITY THEFT AFFADAVIT TO THE COLLECTION AGENCY AND TO THE CREDIT BUREAUS. I ALSO HAVE A ACCOUNT WITH  XXXX   XXXX  FOR  XXXX  OPENED   XX/XX/XXXX .   I HAVE NO KNOWLEDGE OF THESE WIRELESS ACCOUNTS. IF MY IDENTITY HAS BEEN COMPROMISE IT IS THE RESPONSIBILITY OF THE CREDIT BUREAUS TO REMOVE ANY NEGATIVE INFORMATION FROM MY CREDIT REPORT AS A DIRECT RESULT OF THE IDENTITY THEFT. THE COLLECTION AGENCIES HAVE FAILED TO RESPOND TO ME DIRECTLY AND THE CREDIT BUREAUS SAY THE COLLECTIONS ARE BEING VALIDATED.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Let this be seen as yet another of what I hope are the near Millions of complaints over the breach with Equifax. If data of a customer is lost it is imperative for the company to inform those who are affected, as it is FAILURE ON THEIR PART. Furthermore they should be held to an ethical standard of dealing with their transgressions against the individuals affected. 

At this time I can not check on my status due to the fear that I would then loose my opportunity to defend myself if it becomes a legal matter. I will now be required to take time out of my personal schedule, to ensure that my privacy is safe, and the earnings of my labors are secure. 

For the sake of the many people affected. Hold Equifax responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: My personal information and my wife 's personal information was hacked out of the XXXX while I was awaiting my XXXX clearance. I put all of the credit agencies on the 90 day fraud request and told them that XXXX and was providing credit monitoring for 10 years. Yet somehow someone fraudlantly implicated my credit via opening a new XXXX account. All XXXX of the credit report agencies are being non responsive to me at this time regarding the situation and XXXX has said they can see the issue but there is nothing they can do about it.

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 09-01-2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (CA).
Issue: Trouble during payment process

Complaint: I have a mortgage with Loan Depot ( account No. XXXX ) for a property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX and despite repeated attempts by my insurance provider, XXXX XXXX, at XXXX XXXX, via phone ( XXXX ) and fax XXXX XXXX XXXX XXXX XXXX, this company is refusing to respond to paying for the impounded insurance in a timely manner. 

I have written to this organization and my husband has called the escrow company with whom we worked when we were refinancing the property with Loan Depot earlier this year and no one is responding. 

I have reservations about this company since when we were refinancing the property, they also sent us via e mail loan documents for an entirely different person. The phone number for XXXX XXXX is XXXX XXXX XXXX XXXX. Its address is XXXX XXXX XXXX XXXX New Hampshire XXXX Your help in getting this resolved would be greatly appreciated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation