milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2017 about Mortgage (VA mortgage) with Dovenmuehle Mortgage, Inc. (AR).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX my husband, a veteran, passed away. We shared a home together in which he was the only person on the Note for the home, I was just on the deed. This is a VA home loan. Last XX/XX/XXXX the home foreclosed and went to auction. Since I had never opened his estate and was never on the note I allowed the property to foreclose because without opening his estate I could n't do a deed in lieu of foreclosure. XXXX the lender would never speak with me concerning the loan because I was not authorized on the account. XX/XX/XXXX I got a notification on my credit check monitor that a foreclosure had hit my credit report when the loan itself was never even on my credit. After contacting XXXX XXXX, the debt collection agency, they had deemed this an error and told me that they would expedite the process of removing it from my credit. After two weeks I followed up and XXXX XXXX told me that another company had reported it to my credit, Dovenmeuhle. XXXX XXXX explained to me that their research team had sent information to this company 's research department. After contacting Dovenmeuhle and them refusing to give me any information on how or WHY it is on my credit I felt at a loss. I finally reached out to XXXX who said they would look into the issue, but because I was not authorized on the account that they could only give me limited information, but would look into the issue and get back with me by Friday XX/XX/XXXX. Why is it reporting to my credit? I feel this is an error, however I can not get anyone to explain anything to me. If I had " assumed '' the loan how could I have not been contacted in this process? And if in fact I assumed the loan, how am I still not authorized to speak to anyone regarding the account? This has been an ongoing issue for the past year and a half and not only is truly affecting my life, it has taken a huge emotional toll on me. I can not get anything accomplished without proper communication.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Capital one is showing that I have or had a Capital one card. I have never had a Capital one account or card. When I contacted Capital one they had no record of my SS # or account #. I really need this taken off my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (Medical) with CRA Collections, Inc (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX was billed by the XXXX XXXX XXXX XXXX in Delaware and the debt was sent to Revenue Collect. The case ID # is XXXX and the total amount due is {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: 1. The property was purchased on XXXX XXXX, XX/XX/XXXX2. An escrow account was setup and paid in full for the XXXX year. 
3. Chase purchased the mortgage from XXXX XXXX in XXXX of XXXX. 
4. Chase was pulling from the escrow account every month to pay for insurance, mortgage insurance, and taxes. 
5. In XXXX XXXX, Chase paid the insurance and taxes on the property causing our escrow amount to be in the negative. 
6. We received a letter of deficiency in our escrow account. 
7. We called Chase to inquire and pay off the deficiency. We were told the deficiency in the escrow account was from taxes owed in arrears from XXXX, we did not own the property until XXXX XXXX. 
8. We were allowed to pay the deficiency, but our mortgage payment still increased. 
9. When asked why the mortgage payment was still increasing if we paid the tax deficiency we were told because there is a second deficiency for XXXX. We asked to pay that deficiency in full as well to keep the mortgage payment at the same amount. 
10. We were told that we could not pay the XXXX deficiency. 
11. We asked to see the closing documents that Chase had received from XXXX. 
12. No where in the documents that Chase received from XXXX XXXX does it show taxes being owed in arrears from XXXX. Additionally, when we purchased the property, it was determined all taxes were paid to date on the property.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2016 about Debt collection (Credit card) with Fidelity Account Services LLC (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: These people call at all hours of the day repeatedly and are threatening to serve me with papers, I really do n't even know why anymore. I had an old debt, 11 years old that I thought was resolved by now but they wo n't stop calling. They are using my maiden name when they call and claim to have the last XXXX of my social, but I refuse to give them any information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Medical debt) with Stellar Recovery, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX tracking.My official complaint is against STELLAR RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have been a good chase customer for several years, I always made my payments on time and did not use up my credit limits.     Suddenly I got a letter in the mail that due to " the card not being used as intended '' my accounts would be shut down. When I called them about this, they explain it was due to me opening up authorized user accounts to help people with their credit, that is simple untrue. I only opened authorized user cards for family or friends. I explained this to chase but no go, they told me the decision to close my account is final

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: Loan Inquired about recasting on XX/XX/XXXX Did not hear from company untilXX/XX/XXXXby mail, despite being told someone would call me withing 24 hours. 

Submitted large principal payment onXX/XX/XXXX to signal recast. Was assured paperwork to recast loan would then automatically arrive by XXXX  later the following week (XX/XX/XXXX latest ). Package did not arrive ( and was not sent by XXXX ) until XX/XX/XXXX. 

Recast document contained two legal errors which amounted to entrapment whereby I was forced to acknowledge that interest rate might change could change and payment could change, despite the loan interest rate being fixed and payment being fixed with no escrow. Requested that they change the language. Wells refused and obfuscated. Spoke to independent attorney and was advised that Wells was in error and document should be fixed. Wells essentially said " take it or leave it ''. 

High unethical. Predatory. Incompetent. Bureaucratic. Worst customer experience of all time. If you can avoid Wells Fargo, avoid them.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies Equifax, XXXX , & XXXX. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I 've been trying to submit complaints to the credit bureaus about some inaccuracies that i 've seen on my credit report. This has been going on for about 6 months to no avail. The credit bureaus have been failing to investigate my disputes. Claiming they ca n't locate my credit file. I 've sent it proof of my idenity ( i.d . and social ) Also proof of my residence. I still have n't heard anything back from the credit bureaus. I 'm not sure what 's going on but i think it 's pretty unfair.

Credit Bureau Services # XXXX For one this company is not licensed to operate a collection agency in the state of Louisiana. Second, i am NOT sure how this company has access to my medical information. Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX Credit Card Clearly this company has made a mistake. I have never asked for permission to be an authorized user on this card.

-XXXX XXXX # XXXX I have never done business with this company. Clearly they have made a mistake.

XXXX XXXX # XXXX I have never been contacted by this company nor have i done business with them. Clearly this company has made a mistake. Please remove.

-XXXX  # XXXX I have no idea what this debt is. Please verify this account or remove.

I know that mistakes happen but it should not happen at my credit 's expense

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My student loan was originally with Access and ACS purchased this and while I was under deferment. ACS reported me 60 days late on XXXX different occasions. Once XXXX and again XXXX and XXXX late remarks are erroneous and inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Still reporting a judgement docket # : XXXX from 2008 on my credit report that is XXXX years old.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2015 about Consumer Loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I have a title loan with Loan Mart ( XXXX ) I have been trying to settle the loan since XXXX, 4 months now, and after talking to several representatives who said they would get a discounted Pay Out total, the total has never been provided. In the process they have sent me offers to defer payments to the back of the loan i.e. extend the loan at $ XXXX interest per day on top of the excessively high interest. I have now resorted to email communication to keep track but they refuse to respond. They have blocked my access from the website and remove ability to pay with a no fee bank draft. Later found option to login but only pay with high fee options. I spoke to a representative and she refused to allow me to make no fee payments. 

During this process they have made me incur about {$1000.00} in interest and have been trying to reposes my vehicle. In other words, instead of facilitating a Total amount and guarantee of settlement in writing so I can end the loan, they are giving me the runaround, limiting my ability to pay all to raise the total and reposes my vehicle. This has cost me over {$1000.00} in fees which I should n't pay as I requested a Pay Out total in XXXX 2015. When I entered into the contract I was told I could request a payout total and settle the loan in full and get my title back at any point. They have not provided that option and just push to accelerate fees and charges to reposes my car. This is a fraudulent practice. I have tried to address this with the manager XXXX XXXX who as of now has refused to respond in any way. The loan account is XXXX Loanmart is fraudulently steering loans into growth and default to either extort higher interest out of a contract and prevent a settlement or reposes and sell vehicles worth many times more than the loan value

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My loan amount has increased significantly and it shows several loans on my credit like I have taken out XXXX to XXXX loans when I truly have n't. And they also have not tried to work with me as far as some type of income based repayment plan but keep putting me in forbearance and charging me ridiculous interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: Dear Sir or Madame, In late XXXX of 2016, I mailed a check for {$10000.00} to Chase Card Services ( " Chase '' ) for the balance due on a Visa credit card ( account number XXXX ). On XXXX XXXX, 2016, after confirming with Chase via telephone that they never received that check, and fearing it must have been lost in the mail, I authorised a one-time electronic payment from my credit union to Chase for {$10000.00} ( the then current balance on the account ). The electronic payment was made, and, later that same day ( XXXX XXXX, 2016 ) the check for {$10000.00} was cashed by Chase. I have since contacted them via telephone to request return of the large positive balance in the account, and I was told via telephone they would not do so. On XXXX XXXX, 2016, I sent them a formal letter again demanding return of the outstanding funds, along with a reckoning of the account and its closure. I also advised that if I did not receive a response by XXXX XXXX I would pursue legal action. I have received no response to this letter. I would appreciate any assistance you might provide. I have sent a copy of this correspondence to California 's attorney general ; that complaint, along with this correspondence to you, are the only action I have taken besides my attempts to resolve the matter directly with Chase. I am also seeking to initiate a civil action against them ( I would prefer not to, but I see no other option. ) Thank you in advance for your time and for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I thought my mortgage company was in the process of getting me a loan modification and I found out that my home had been forclosed. They never told me that my home was sold or anything. All they told me was to send in more paperwork for the loan modification. I still have n't received any information in the mail about my home bein sold. Loan modification was started in XX/XX/XXXX. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Equifax sends me a form on XX/XX/XXXX about Identification. Equifax credit file has had in the past info sent with several forms of identification and there is always and issue with them. now they send this letter but mailing corrections to the same address. 
they also had over 4 address that were not mine with different address numbers but now ask for my address. Equifax plays games with sending information and I 'm going to keep on filing on them until things are right on my credit file. And file with the FTC. A bunch of phone numbers that did not belong to me. I do n't no how they obtain info but they just make up information on JOB telephone and address. I mailed them copy on my state lic Copy of check. copy of contract from my employee as a RN and I have sent enough and more than they request. I have sent it more than 5 times.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Dear CFPB, I have received a response from XXXX concerning XXXX inquiries on my credit file. As per their response, XXXX XXXX, 2015, there should be only XXXX inquiries as per their records show. The CRA 's are reporting false information that is hurting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Public records on credit reports are invaild and all three credit bureaus refuse to remove them ; they have not furnished me the source of where this invalid information is coming from and its all wrong the date filed, dismissed, amounts, reference numbers are all wrong ; I have request validation from court houses and was advised they do not valid public records for consumers or credit bureaus ; I have disputed this information and have not been processed correctly Child support should not be on reports at all and the bankruptcy isn't valid failure to remove will result in civil case such as Civil Case # : XXXX XXXX XXXX v. XXXX and child support violates Public Law 805-C3. need bankruptcy and all 3 child support accounts removed.

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 03-07-2017 about Mortgage (Conventional fixed mortgage) with AmeriHome Mortgage Company, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Amerihome Mortgage XXXX XXXX services my loan. They purchase my loan from the loan originator with an impound account for insurance and taxes in place. My homeowners insurance expired XXXX/XXXX/17 and rather than contacting the insurance company to obtain a bill, they sent me a letter indicating that they are going to force insurance on me unless I sent them proof of insurance. Additionally, they indicated that going forward, every year I must submit the bill to them and proof of insurance. 

When they purchased my loan, they did not reach out to the insurance company to correct the loss payee clause to reflect Amerihome Mortgage, so any updated insurance info is going to the original mortgage company. They have the funds in my impound account, but rather than contact the insurance company on file and pay the bill, they are putting the burden of paying the bill on myself. They are putting the burden of forced insurance on the homeowner rather than properly servicing the loan.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several hard inquiries on my Experian specific credit report that I did not authorize and need removal : XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX   XX/XX/XXXX -XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XX/XX/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