milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2017 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (MN).
Issue: Struggling to pay mortgage

Complaint: Loan : XXXX Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX To whom it may concern. This is a qualified written request to Chase Mortgage. I have been attempting to work with Chase since XX/XX/XXXX to get assistance in regards to my loan : XXXX Background : This was originally an interest only loan originated through XXXX in XXXX. On XXXX, the loan went adjustable with both principle and interest payments. This rate will adjust every XXXX going forward until the loan is paid off. I have attempted to contact Chase to refinance the loan. However, I was advised as 1 ) I am underwater and 2 ) it is not my primary, they do not have options. There is a second mortgage on this property that is serviced by XXXX. In addition, this is a rental property that the tenants have been paying me on average {$120.00} to {$220.00} less than the expected rent each month and this is an additional hardship. I had missed a mortgage payment on this loan in XX/XX/XXXX and Chase provided me an assistance package. As this adjustment will be a hardship going forward due to the uncertainty of what rates will be, and the delinquent tenants, I requested assistance options. I advised Chase that this can be either liquidation or retention options. On XX/XX/XXXX, I faxed 55 pages that were delivered to Chase Mortgage. I had been assigned numerous different Relationship Managers ; however, the one that is assigned to me now and has their name on the letters I receive is XXXX XXXX. The Broker Price Opinion inspection was completed on XX/XX/XXXX. I have been attempting to connect with XXXX XXXX unsuccessfully since XX/XX/XXXX. I have left voicemails and sent faxes ( attached with confirmation ) requesting status update, on the dates of XX/XX/XXXX, XX/XX/XXXX ( voicemail only ), XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. He does not respond and if he is attempting, does not leave voicemails. On XX/XX/XXXX, I received a letter from XXXX XXXX advising additional information was needed to complete my review. I attempted to contact him, and as he was unavailable, I was able to speak to his co-worker XXXX XXXX on XX/XX/XXXXand provide the needed information. On XX/XX/XXXX, I spoke to another of XXXX coworker named XXXX who stated that the review was with the underwriter and that no additional information is needed. I sent a follow up fax on XX/XX/XXXX, stating that this is a qualified written request. I have not received any response via telephone or notification to that last outreach. Request to CFPB : Please assist in resolving this qualified written request for mortgage assistance with liquidation or retention options in a faster manner with requested updates being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Mortgage (FHA mortgage) with TIAA, FSB (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In   XXXX   XXXX   XXXX   I tried to refinance my home to get a lower interest rate. Every thing was approved until  XXXX  checked and saw that my home was not in my name.     In  XXXX  I fell behind on my payments and had to take out a  XXXX   XXXX   XXXX  with  XXXX  Mortgage. On the same day that loan was approved Everhome, who had my Mortgage at that time, foreclosed on my home and the mortgage was put in the name of  XXXX   XXXX   XXXX   XXXX . I have all the documents to show that since I took out the Home Save Loan I have not been behind on the Nationstar Loan or the main Mortgage.     I also have the documents that were given to my attorney  XXXX   XXXX  at  XXXX   XXXX   XXXX . They have been trying to correct this problem since  XXXX  of  XXXX  with no results. I have the letter that  XXXX   XXXX  sent out to all the mortgage companies that have held my Mortgage since  XXXX  I need help getting this matter settled. I can not refinance or sell this home if I had to.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Nothing has happened yet, I just know I was a part of the data breach. I do n't know what 's going on or how this will effect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I recently questioned a bankruptcy on my credit report and requested the source of this information ... .The United States bankruptcy court sent a letter saying that they do NOT furnish information to credit bureaus ... .Experian is reporting INACCURATE INFORMATION ( NOT MINE ) THE FURNISHER OF THIS INFORMATION has not given them the correct person this item belongs to and I am requesting they DELETE this inaccurate information from my credit report ... ...

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MIDCOUNTRY FINANCIAL CORP (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I just received notification from XXXX XXXX that I had an credit inquiry on my credit report. I did not authorize anyone to do a credit check on me. Opened my file and saw that it was XXXX XXXX.This is IDENTIY THEFT. I am wanting this removed from my credit ASAP along with a letter stating it was 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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax continues to report wrong information on my report. XXXX  has already investigated and removed the accounts. The following accounts are not mine and should be removed because they are fraudulent. 

XXXX XXXX -- Account # XXXX XXXX XXXX XXXXXXXX -- Account # XXXX XXXX XXXX -- -Account # XXXX XXXX XXXXXXXX XXXX XXXX -Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a withdrawn Federal Tax Lien Still Showing on my credit report that was withdrawn on XXXX XXXX 2015. On multiple occasions I have disputed this with Equifax, Providing Equifax via fax a copy of the Irs withdrawl form. Equifax continues to improperly report the lien and refuses to recognize the withdrawl.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Home equity loan or line of credit) with ROYAL UNITED MORTGAGE LLC (CA).
Issue: Settlement process and costs

Complaint: I applied for a {$35000.00} Home Equity Loan. I told them my husband had XXXX andthat I have a Power of Attorney done through our lawyer at the very beginning. 
When we got to closing they insisted my husband had to sign the loan documents with the Notary. Once that was done I 'd have the money in my bank account on XXXX/XXXX/15. On XXXX/XXXX/2015 they called me and said the Notary was uncomfortable with my husband understanding what he was signing so the title company denied my loan. The only way I could get the loan was to get a letter from a doctor stating my husband understands what a home equity loan was and that he knew what he was signing. I told them he does n't know and no reputable doctor would do that. So I spent weeks on providing paperwork and was assured everything was fine for nothing and I have to start over again with another company. I needed the money to move as my husband 'XXXX two hours away. I just do n't understand when I worked so hard getting them every document they requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had a XXXX credit card account that I disputed with the collection agency who was reporting it. After investigating, the collection agency sent me the results of the investigation and concluded that they were closing my account. The company stated they filed a Universal Data Form electronically requesting that the three major credit reporting agencies delete their trade line for this account on your credit reports. This was in XX/XX/XXXX and the credit bureaus removed the account. But it has appeared back on my credit report in the last year or so. I have disputed this multiple times with the credit bureau and explained that this should not be on my report because I do not have knowledge of the account. I sent certified letters XX/XX/XXXX to Equifax and XXXX and disputed online with XXXX requesting that they delete this inaccurate information. They bureaus refuse to delete the information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had a mortgage with Washington Mutual Bank FA. JPMorgan Chase became the servicer then claimed to own the mortgage when they provided absolutely no documentation to prove it. They began a deceptive foreclosure suit using the collections firm XXXX XXXX management and used all kinds of fabricated documents, assignments signed by XXXX employees, notes signed by XXXX employees and even the complaint was signed by XXXX attorneys who are not even licensed in the state of Florida. XXXX XXXX XXXX - Purpose of Business is servicing existing " MANUFACTURED '' home loans and they are not a registered debt collector. They even fabricated a loan remodification and would not provide us with a hamp loan stating we were unqualified. We made 6 payments and they told us to stop payments and then the foreclosure began. We called the FDIC and the OCC and both government agencies said to call the CFPB as it was all debt collection. This has been going on since 2009 and after speaking with JPMC corporate offices regarding all this fraud, we offered a " RESCISSION '' They told us to call XXXX XXXX for the rescission. We sent the letter and XXXX XXXX of XXXX Firm made a motion to the XXXX for a foreclosure auction. Neither JPMC nor XXXX XXXX had any real ownership or interest in the note and thus no right or authority to conduct a foreclosure. I had put down {$230000.00}. It appears this is a way of life for these banks. They steal families equity in the house. They appraised them 20 % higher ( eappraise ) and then there was the libor rigging by JPMC with the WAMUFA loans. Now the price is down and they want to steal your home for pennies on the dollar if you are not smart enough to catch the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX DOCTORS BUSINESS BUREAU Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation,  Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report DOCTORS BUSINESS BUREAU XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: For the month of XXXX I was behind on my mortgage to XXXX and wanted to submit my payment before the 30 day mark to avoid having it reported to the credit bureaus. On XXXX XXXX XXXX, I submitted my payment in the amount of {$2500.00} XXXX late fees included ) to XXXX, via their online bill pay option as to avoid the service charge for dealing with a representative. I received a confirmation email authorizing XXXX to initiate the transaction soon after. 
Today XXXX/XXXX/XXXX upon reviewing my bank account, I noticed the funds for that payment were never taken out. I immediately contacted XXXX customer service to first find out what may have happened, and to attempt to resolve the issue with them in the hopes of preventing a negative impact to my credit. I was told the payment was never processed because of a keying input error on my part when entering my account info. I explained to the representative that I had received a confirmation email for that transaction, and that I had not been contacted about any problems regarding my payment. Therefore, I had no knowledge of any issues and assumed the account was now current. She then explains there is nothing she can do for me and alleges several phone calls were made to my cell phone to inform me, which I have no record of and no voicemail messages, or email for that matter. She also claims there was a letter mailed to my home dated XXXX XXXX XXXX. I still have yet to receive that letter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: My new mortgage company, Penny Mac, misplaced many of my mortgage monthly payments. The payments were placed onto my mortgage escrow account instead. It took countless effort from my part to finally have Penny Mac acknowledge their mistakes. Penny Mac fixed the mistakes made to my account, however, they reported me late to the credit bureaus and have not taken action to correct this matter with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Payday loan, title loan, or personal loan (Payday loan) with Crow Creek Sioux Tribe (MD).
Issue: Charged fees or interest you didn't expect

Complaint: I was approved for a {$600.00} loan on  XXXX   XXXX ,  2017 . The {$600.00} was deposited into my checking account on  XXXX   XXXX . The first payment of {$180.00} was withdrawn from my account on  XXXX   XXXX . The  2nd p ayment of {$180.00} was withdrawn from my account on  XXXX   XXXX ,  2017 . The 3rd payment was withdrawn from my account on  XXXX   XXXX . On  XXXX   XXXX  I also called  XXXX  to make sure my loan would be paid in full after the  4th payment. I was then informed that my payoff balance was {$590.00}. I asked how that could be and I wa s told I was paying mostly interest. On  XXXX   XXXX ,    2017  I paid {$590.00} in addition to the 4th payment of {$180.00}. They would not let me pay {$590 .00} ( my payoff balance ) only. I expected a high interest rate for the loan but their interest rate is approximately 600 %. I ended up paying {$1300.00} in total for a {$600.00} loan that was repaid in approximately 7 week s time.

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 monetary relief
Consumer complaint received 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (GA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Online Information is a collection agency is reporting on my XXXX credit file incorrect illegal information because they are not a lender. The law states at no times does a collection agency become a lender so this type of reporting is illegal. They do n't have the rights to report account type-open nor pay status-in collection nor loan type-collection agency/attorney because this is not a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CT).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: i am a returning customer that wants to open a new account & XXXX gave me a negative rating & i can not open a new account with wells fargo bank. i have no clue why?

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 04-05-2017 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am going through a divorce currently and was required by the courts to pull my credit and show any and all joint accounts. Upon doing so I realized there are numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at XXXX, CT XXXX yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question. 

Accounts : XXXX. 

Inquires : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (FL).
Issue: Struggling to pay mortgage

Complaint: Your office advised on  XXXX / XXXX /   17  that a missing items letter was sent on  XXXX / XXXX / 17 , which that letter has still yet to be received - we were told we had until  XXXX / XXXX /   17  to provide the missing items which were 30 days of consecutive paystubs - we were told today  XXXX / XXXX /   17  that the file is complete and those docs needed were in fact received on  XXXX / XXXX /   17  as stated in the missing items letter - today  XXXX / XXXX / 17  we were advised that the file is complete but the review would not be completed and the sale would not be postponed for the review because it was to close to the sale date of  XXXX / XXXX / 17  - this file is being deemed complete in accordance with your missing items letter, therefore the file 's review should be completed in accordance with RESPA and you r OWN  missing items letter.   Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents w ithin five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). Please suspend foreclosure during this appeal in accordance with Regulation X, 12 C.F.R. 1024.41 (  g ).

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 03/19/2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed this previously reinsert deleted bankruptcy with you all. Equifax responded back to you all stated that this bankruptcy had been removed. Case number XXXX is still appearing on my file. Also, their are case numbers XXXX in which it been over seven years and should be deleted. Case numbers XXXX in which does not belongs to me as well as case number XXXX. All these previous deleted bankruptcies was removed 2 years ago do to fraud and now they have been reinsert on my file.

Company response to consumer: Closed with explanation