milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NV).
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: Your company Capital One, Kohls did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus. 
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ).
You can prove that this process mandated by the FCRA took place between your company, XXXX and XXXX consumer reporting agencies?
Capital One Bank, KOHLS did not respond to dispute letter XXXX-2017 Per the Fair Credit Reporting Act section 611 your company did not  complete an investigation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America charged me {$640.00} for cutting my grass. Bank of America has never cut my grass. I called Bank of America and was told that the {$640.00} that I was charged would be refunded to me, this was 3 months ago and I still have not received a check from Bank of America. Here are the dates that I was charged for cutting the grass which NEVER happened from internal Bank of America 's documents:XX/XX/XXXX XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$80.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I completed a loan modification package back in XXXX 2015 to aid with my loan, I was approved by XXXX California ; however, my Lender/ Servicer `` Seterus Inc. '' will not respond to any inquiry that I make nor respond to the requests that XXXX California make to them on my behalf. Every time I call they keep telling me that they do not have any updates nor do they have the ability to find out any status update to XXXX California. Furthermore, my servicer Seterus Inc and trustee sent me a letter showing that my home will be sold on XXXX XXXX, 2015. This is unfair as Keep Your Home California is able to help me but my Servicer Seterus Inc. will not respond to their inquiries to fulfill my modification and are delaying any correspondence. I feel based on their actions that they are intestinally trying to sell my home and make me homeless, I am running out of time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (NJ).
Issue: Settlement process and costs

Complaint: This is a follow up to CFPB Case number : XXXX. I have recently the house in that case at XXXX XXXX XXXX, XXXX, XXXX XXXX. I overpaid the lien holders, XXXX XXXX/SLS, by approximately {$300000.00} and they ignored my written inquiries during the closing process to settle the matter. I only received {$25000.00} at the time of closing and am expected to pay estimated taxes of between {$160000.00} to {$200000.00} to the State of XXXX next year after consulting my accountant. The original loan amount was {$520000.00}, and they walked off with XXXX. I expect to declare chapter XXXX as a result of their usury, predatory lending and blatant fraud. I should have walked away from the property and let it be sold at sheriff sale, then I would not be facing bankruptcy and excessive taxes for monies XXXX and SLS took from me. If it were to be sold at sheriff sale, they would have received less than the $ XXXX, instead, they walked off with, after taxes and insurances, more than $ XXXX of predatory interest and excessive fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX on creditor XXXX is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (TX).
Issue: Credit decision / Underwriting

Complaint: We have a reverse mortgage with RMS Solutions out of XXXX tx. In XXXX we had hail damage to our home. Our home owners insurance sent us a check for the repairs in our name and the mortgage co. We sent the check with our signature to the company for their signature. They held the check for almost XXXX weeks before contacting us saying we had to get a signature guarantee from our bank or a notary. They then held the check for another 8or 9 days before returning it. We took it to the bank and had our signatures notarize and sent it back certified the same day. They received it on the XXXX XXXX 2016. We received a call on XX/XX/2016 saying now we need to have the contractor write a contract sign it along with our signatures stamped paid in full along with his XXXX form, then they would release their portion of the money. I fell the are giving us the run around, and we owe them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, 2017, I mailed requests to all three Credit Reporting Agencies demanding documentation verifying the accuracy of multiple items reported on my credit files with each agency, pursuant to Section 609 [ 15 U.S.C 1681g ], or the Fair Credit Reporting Act.The allotted time frame has elapsed for the companies to respond to my demand, either handling it as a standard dispute, or failing to respond at all, depending on which agency. These are nothing but stall tactics which I specifically warned each agency would not be tolerated. I have attached documentation showing my initial demand for verification. Any failure by each agency beyond this point will result in me forwarding all related documents to my State Attorney General.

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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: This is in addition to the complaint I submittedXX/XX/XXXX Experian recently completed the dispute investigation I submittedXX/XX/XXXX. Experian did not notify me the investigation was complete and I had to search on their website for the status. Experian is still refusing to remove fraudulent information from my credit report. I 've already told Experian that XXXX forged my signature on a forbearance request, the amount XXXX claims I owe is nowhere near the amount on the original contract ( {$14000.00} ), and XXXX charged off and closed the account in XX/XX/XXXX. ( the same time these tradelines should have fallen off my report ). XXXX reopened a closed account well after the statute of limitations expired by somehow applying forbearances and deferments without my knowledge or consent. I provided ALL supporting documentation to Experian which was sufficient evidence to remove ALL tradelines relating to XXXX. I provided the same information to XXXX and XXXX and they both removed the tradelines. Now, Experian is denying my right to dispute fraudulent and inaccurate information on my report! If ALL tradelines relating to XXXX are not removed from my credit report by XX/XX/XXXX, I will file suit against Experian for preventing and denying my right as a consumer to dispute fraudulent and inaccurate information, and for refusing to remove fraudulent and inaccurate information when the issue was first brought to their attention several years ago.

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 04-11-2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (MN).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: XX/XX/XXXX I sent check # XXXX for the amount of {$1800.00} to Wells Fargo Bank to pay off loan on a vehicle traded in to my auto dealership. The check cleared my account on XX/XX/XXXX. Letter and bill of sale were sent with the check as per Wels Fargo instructions. Numerous calls and still no title. The Office of president title team told me they have 6 weeks to process and mail it out. I legally have 10 days to produce a title. How can the bank be allowed to hold a title that long? Even if this is true it has been much longer. We have even faxed over bill of sale 2 more times after phone conversations on XX/XX/XXXX and XX/XX/XXXX. 1st # we were calling was XXXX. Last one was Office of the President XXXX. I do not have the customers loan # and Wells Fargo states they can't give it to me. The customer information is on bill of sale and letter attached to this complaint.

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 01/15/2018 about Vehicle loan or lease (Loan) with CarMax, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I called XXXX XXXX XXXX to make a payment on my car. I advised the representative, that I have been out of the country and I have tried to pay online several times, but the system was not allowing me. I am now 31 days past due ( Back home in the US ) She looked in to it and found out the reason the online portal was not allowing me to make a payments was because of an invalid address. I have mentioned to Carmax in the past that I am in the process of moving, that currently I did n't have an address. She insisted that I can not make any payment until I update. I gave her my parents address. Representative also mentioned that Co- Borrower Keep on returning mail to Carmax . I advised them in the past about this issue. Co- Borrower lives in a XXXX/old people home. He does not receive mail there so that is the reason why Carmax is getting " return to sender '' mails.

I feel like I should not be penalized for not making the payment since the online portal did not have a clear message to why I could not make a payment.

Carmax is now reporting me late, but this was because of them. I tried to make a payment several times. I was out of the country I could not make a phone call, online was the onlyway I could make a payment. Carmax should not have that feature if not available at all times. 

This is the first time my account went to 30 days past due. I am almost finished paying this car off.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: to whom it may concern ; i 'm writing this note because i 'm looking for some guidance in dealing with a situation which i 'm unfortunately stuck in and can not seem to extricate myself from. 
I started a mortgage modification process with XXXX almost 2 years now. while going through the modification process, XXXX apparently sold my mortgage to Shellpoint Mortgage Servicing with a P.O. in XXXX MI. 
I was n't very comfortable with how the process was proceeding so I requested to resume my payments to avoid further delinquency while we get the modification finalized. they returned my payments stating they can not accept payments while going through the modification process. 

here is the problems i 'm currently going through. repeatedly sent loan modification documents for 1.5 yrs now. bank keeps asking for more documents or claim they have not received documents sent. 
I engaged the assistance of a mortgage counselor just to ensure that the problem was n't with me. we gathered the documents requested, but every time we 've been to court they indicate to the judge that they are still missing documents. 
most recently I received an email from their attorney that my modification was declined because they did not get the information requested or there are documents provided in non pdf format and they could not view. when I saw the list of items they claim they did not get, it was the 1st time ever seeing them. in addition, I 've been submitting scanned documents in jpeg format for quite some time so not certain why after all this time they are not able to view. all this after receiving a letter from them on XX/XX/2017 that they 've " received your complete request for a loss mitigation program '', and they are currently reviewing the package to determine if the referenced loan qualifies for one of their programs. the notice i got from their attorney that they are missing information was on XX/XX/2017. 
I 'm now submitting a request for an Order of Mediation with the courts, but I fear that the bank will continue with the same practice of not really evaluating the application while my principal balance continue to balloon. 

Please help. 

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 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account was transferred to XXXX and is currently being repaid. The loan no longer belongs to XXXX. It has been over 7 years and this account is still showing on 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 12/26/2015 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX hired Financial Asset Management Systems to collect on student loans. Financial Asset Management Systems is alleging that I have only paid {$1000.00} in total for the last 13 payments that I have made on my account. This is false. Financial Asset Management Systems is flagrantly violating the Fair Debt Collections Practices Act by not accounting all my payments properly. Financial Asset Management Systems is asking me to provide proof of payment when they should be the ones that should be correctly totaling my accounts. Each monthly payment on my account has been for at least {$250.00}, however Financial Asset Management Systems is incorrectly claiming that I have only paid {$1000.00}, which is patently false. XXXX and Financial Asset Management Systems are engaging in deceptive debt collection practices. Under CFPB complaint number XXXX, Financial Asset Management Systems is incorrectly claiming that I have only paid {$1000.00} on my account. Financial Asset Management Systems is engaging in deceptive debt collections practices because I have paid way more than that amount of my account and it shouldnt be up to me to proprerly credit my account, it should be up to the debt collector. Financial Asset Management Systems is misrepresenting the payments I have made on my account and not properly accounting all the payments that I have made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Consumer Loan (Vehicle loan) with Fleet Financial, Inc. (VA).
Issue: Shopping for a loan or lease

Complaint: As I am getting my credit report I see a car loan request and I have never applied for a car loan thru this company. I am more than certain my ex-spose has been applying for loans with my ss # without my consent. I have been divorced from him since 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband passed away in XXXX, a week later I notified the Mortgage Company ( Wells Fargo ) I was able to make my payments up to XXXX 2015. I called them to start a loan modification. I jumped thru hoops for them, sending every paper they wanted. The last I heard from my loan preservation agent XXXX XXXX everything was a go to submit all the paperwork to his manager that was XXXX XXXX. Today, XXXX XXXX I receive an email from a different person saying they need forms they already have, about XXXX of them. The new loan preservation guy said some of the pages were minimized and he can not use them. I do n't understand why they are giving me the runaround. For 18+ years we were never late on our mortgage. Please help me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a collection account through a company I have n't had services with for a long time. My account was closed and paid for. This is unknown to me. I need this company to validate this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/2012 STATUS OPEN BALANCE AMOUNT BLANK

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I tried ab out 5-10 ti mes to talk with someone from Equifax inc but I kelp getting a voicemail or a machine asking me for some information. On my credit report it shows that I have an open account with  XXXX  but on my   XXXX   report I filed a dispute with them and after 30 days it was removed but its showing up on my Equifax report which it should not be there cause my wife paid it thought a collection company called  XXXX   XXXX   XXXX   XXXX   XXXX  . I tried to talk with someone from the collection agency but they were not any good in helping me do something about this. In case you need their number its  XXXX . I hope you can do something to help me out to get this straighting out for me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am writing to dispute a situation with  XXXX   XXXX   XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of Transunion and Experian. It is past the  XXXX  years that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a longer period of time.     There has been very strange activity with this  XXXX   XXXX   XXXX   XXXX  account. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting all payments made from  XXXX  to   XXXX   as well as multiple consistent 120 day late entries from   XXXX   to   XXXX   I have made no payments whatsoever past 12/2008 yet it shows payments resurfaced and also made consistently, with latenesses, occurring in  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . Actual pictures of the check or money order used to make the payments are being requested.     I just want to let the CFPB know that the company response is a lie. They sent me a letter to my home on   XXXX   XXXX  . The account number is also incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: I have the Rushcard. I 'm sure you are aware to the current issues. I was unable to use my card for transactions since they updated their system over 12 days ago. I was unable to pay for my mail order medication so I was without for 5 days. I was unable to pay an emergency room co-pay because I could n't use my card. I was forced to go the the emergency room because I was unable to get my medicine because I could not use my Rushcard. I called Rushcard was on hold for over an to only be told we do n't know when our system will be working. Then today I received a email from Rushcard telling me they can not locate my account. This is unacceptable

Company response to consumer: Closed with non-monetary relief