milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I got divorced and were forced to sell the house due to financial issues. The sale is a short sale as we owe $ XXXX and the house is only valued at $ XXXX due to the economic situation in our area. We put the house up for sale on XX/XX/XXXX and finally received an offer on XXXX. We are currently XXXX months into the short sales process and should be closing in the next XXXX days. On Friday, XX/XX/XXXX, I received a letter from the XXXX mortgage company, Bank of America, informing me that our mortgage was being sold to XXXX XXXX on XX/XX/XXXX. We have done a lot of work getting the short sale process completed, but we may have to start the process all over again with XXXX. My concern is that I may lose my buyers. They have been very patient and understanding but this may take another XXXX days and they can not wait that long. I am currently XXXX months delinquent on my XXXX and XXXX mortgage, and foreclosure is a real possibility now. 
Is there any help I can get for this issue? My XXXX mortgage is with XXXX and I have had no issues with them at this point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian continues to report inaccurate accounts on my report. I am NOT asking for disputes. I want these removed. ALL XXXX XXXX  XXXX accounts should be removed as they are breaking the FCRA laws. The information is inaccurate and they have me in their consumer affairs status when I call so that I can't speak to regular reps but they still have not corrected the issue. They even admitted to the reporting of XXXX XXXX XXXXXXXX that has deceptive reporting. Now their own site ( EXPERIAN ) states that for an account to report it must meet FCRA requirements such as regularly updating. It also states that utility companies do not typically report directly to Experian or other credit reporting companies. Because credit scores are calculated using information in your credit report, your utility payments would not be included in your credit scores. And this is on their own website but yet they continue to report inaccurate information. No one else is reporting this inaccurate information. This needs to stop now

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 07/20/2016 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Other

Complaint: Portfolio Recovery is reporting me as charged off. It never was charged off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with Rauch-Milliken International, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX   XXXX   (  XXXX  ) keeps contacting me saying I owe a debt for a closed business. I have told her the business is closed and I do not personally owe. She ignores and keeps threatening me. I have requested documentation several times, but she does not provide. I have copies of emails of her threatening to sue me and my ignored requests for documentation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This is a collection agency that I have never entered into any type of contract with. The original account was opened by someone else and the original creditor has been contacted. I have zero business relationship with this company. I have also contacted them on XXXX accounts asking for a validation of signature to prove my contractual relationship with them. They have reported this inaccurate information to all XXXX credit bureaus and it has impacted me financially. I want to save court as the last resort, however, I will take that route because this error on my credit file is costing me a lot more money due to increased interest rates and such.

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 12/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have two credit cards, one from XX/XX/XXXX and one from XX/XX/XXXX. They both stopped working a few days ago and I looked at my accounts and saw my authorized user had overcharged. I assumed this was the problem and told him to pay off his charges. He paid them off yesterday and then informed me today he received a letter informing him of the closures. I called today and found out that indeed both cards had been closed and the only reason they could give was that it was based on a past closure. I do not have a past closure so I am assuming my authorized user is the culprit here. I do not understand though how this would affect the other card that he is not connected with at all. And if he was the one they were closing it over why not just remove him from my account instead of closing all my cards? These are Chase cards.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: TRANSUNION has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that TRANSUNION HAS NOT under Section 611 ( XXXX ) ( A ) of the FCRA - TRANSUNION are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. TRANSUNION is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute 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 09/19/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My identity was fraudulently used, and I 've been trying to correct issues that were made against me, instead of placing a simple call, the act was repeated, I 've since placed a police report on my file explaining what has accrued, but, the inaccuracies or still there. 
They have lowered my credit scores numerous of times without even checking the facts. Serveral or should I say, numerous Inquiries against me are unjustified, and EQUIFAX has neither checked or corrected their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (NH).
Issue: Applying for a mortgage

Complaint: In 2013 I applied for mortgage refinancing under the HARP program with Wells Fargo. After submitting the proper paperwork the loan was apparently approved, as I was assigned a closing date. Two days before the assigned closing date I was told the loan was denied.After several inquiries and receiving no information I called my Mortgage Consultant at the local NH office and finally received a letter indicating the reasons for denial, which read ( " Underwriting researched your request and due to Agency requirements and our investor ( XXXX ) the following has been determined. There is aproperty type discrepancy. The subject property is an age restricted community of manufactured homes. The original loan to purchase the property was produced as a Single Family non-manufactured home with no mentioned of the age restriction in the file or the fact it was in a PUD. If underwritten properly at the onset, the loan would not have been approved and can not be approved now since the combination is not acceptable to the Agencies ( XXXX ). All of the above information is inaccurate and false as proven by the information on the recorded properly on the registered deed involved with the original loan. The refinancing rate would have been 3.75 % while my then existing mortgage rare was 6.65 % and still is 6. 6..65 %

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 02-06-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I filed a dispute on a XXXX transaction for XXXX I was given a link to follow from the merchant that didn't work when I reached out to the merchant they indicated it would work. I filed the dispute with my bank and told them all the info needed and even offered to supply emails of what happen they said they didn't need it. When I got the 70 page letter in the mail it came back from merchant that I didn't return which is correct merchant refused to provide me with info to return. I called in again to my bank and was told by XXXX after telling her again what happen from start not worry and that the credit would not be debited XXXX also worked on another case for me that day. A week later I look at my account and there is a debit for this amount I called in spoke with a XXXX from Florida who informed me that XXXX was on her team and XXXX was their manager but was unable to talk to me right then. But he would call me back as I wanted the bank to listen to the call me and XXXX had. XXXX never called me by the 3rd hour I called back was talking to another person in FL that was on the same team said XXXX didn't forget about me but would call me back I asked what time he left for the day I was told XXXX ... XXXX never called and my issue is still I need my refund I still 4 days later have not received a call

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 04/20/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (AL).
Issue: Managing the loan or lease

Complaint: GM Financial is assessing a monthly {$86.00} fee for not making my payment within 11 days of its due date. However, it is not 30 days late. When I contacted XXXX, they insisted that in lieu of reporting my less than 30 days late account to the credit agency, they were going to assess a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Consumer Loan (Installment loan) with LDF Holdings, LLC (OH).
Issue: Problems when you are unable to pay

Complaint: I ran into problems paying them back and worked out an installment agreement. I requested ( XXXX ) times verbally for them to cease and desist from all attempts to call me because they kept calling me at work. I asked them to stop calling me at work but they continued to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I had a XXXX American Express Rewards Card. I stopped using it. The program for XXXX was transferred to XXXX in 2016. They called to ask if I wanted to have a XXXX BarclaysCard. I told them I did not. I did not renew. Then I started to receive a bill every month or so, with an amount due for {$40.00}. I called and told them I never accepted this card, please cancel. It kept coming. I believe I called 3 times. Recently, my credit was pulled for a home purchase. I see that my credit score had dropped XXXX points. We found out it was because of a delinquency from this {$40.00} charge from a card I never accepted. You can call the BarclaysCard Investigation Specialist for more information. 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 monetary relief
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have had a mortgage with Chase for almost 20 years. A couple of years ago I opened an " Ink '' business credit card account with Chase. After receiving the new card, I phoned their customer service to merge the credit card account with my existing mortgage account so I could access both with a single login to their web site. They did not inform me at the time, but in doing so they actually created a *new* online profile for me, and in the process they disabled the automated ACH payments I had set up to pull my mortgage payment directly from another bank on a monthly basis. Although I eventually realized there was a problem after reviewing my bank statements several months later, several of my mortgage payments were late due solely to Chase 's own actions, and these late payments are now reflected in my credit report. I attempted to contact Chase to have them resolve the blemish they caused on my credit report, but they would not. I attempted to dispute the issue via a credit reporting agency, but again Chase refused to accept responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Problems when you are unable to pay

Complaint: I have submitted XXXX complaints prior to this concerning the same company about calling me and harrassing me over the phone. I as well have sent this company a cease and desist letter about understanding my rights. I have also changed my phone number. They have called me at work and now they have again managed to find my new phone number and begin harrassing me more. 
I have explained to them i am under financial burden with a new job carreer that has cut my pay dramatically however they cintinue to harrass me. 
What does it take to get them to cease and desist. 
My attempts have no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax did their investigation and came back with updated informtion. Well i called the creditors which i will and they all came back and said they have no record on file, how did Equifax investigate without calling the creditors to see if this was my accounts. Also in 2013 i was a victimn of ID theft which Equifax could have done a better job at investigating the inaccurate information becasue its still on my file. 
1.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record on fiel ) 2.XXXX spoke with XXXX Employee i.d # XXXX XXXX XXXX account # XXXX ( no record on file ) XXXX this is the same creditor so its being reported twice. 
3.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record on file ) 4.XXXX Account # XXXX. I have enclosed a letter from them saying for you all to delate this off my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Spoke with Hunter Warfield company on XX/XX/XXXX. Who is a debt collector for apartments. I was told today that the original amount ( {$2500.00} ) accrued interest and a higher amount ( {$3700.00} ) is being collected due to federal and state debt collection laws. I spoke with my attorney and they advised no interest can be accrued on accounts that are not loans or from a financial institution. Which in my case this I'd definitely not a loan of any sorts. The Georgia State law does not state anything like that. This debt is 5 years old and has not changed in amounts until XX/XX/XXXX. 
The company is lying and I refuse to pay an amount higher than what is owed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2016 about Debt collection (Payday loan) with Platinum Holdings Group, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They called my work about a month ago and they were advised by me telling them to stop calling my work that I can not receive them at work. They preceded to argue about it then stated that they would stop and obey my request and the law. 

Well today they did it again. My husband called them and let them know they broke the law. They preceded to try and talk down to him and then stated my entire credit history saying why do I not pay my bills. My husband advised them again that they broke the law and we can take them to small claims court. They went back and forth and XXXX XXXX ( caller ) continued to bring up my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I recently purchased a house and Equifax was exclusively one of the agencies that was running my credit report. 

My information should be held privately by Equifax and they allowed that information to be obtained by a 3rd party that I did not authorize. 

I have currently placed an Initial 90 Day Fraud Alert on my account but I feel that this will not cover the damages, should this become an issue down the road. 

My vital information is not changing and Equifax has carelessly handled my information and allowed an unauthorized source to obtain my information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: Dear XXXX I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the XXXX XXXX, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX - The date of last activity is inaccurate. Furthermore, i have never been contacted by this company about the debt they claim i owe. 
XXXX XXXX - I do n't remember having a charge-off. This account shows a balance as well. 
XXXX XXXX XXXX This account is reporting inaccurate. 
XXXX XXXX XXXXXXXX - I have never done business with no have i been contacted by this company. 
XXXX. XXXX ( multiply accounts ) I have never gave this company permission to my medical information. How they have my information is clearly against my Hippa rights. I would like a medical release form bearing my signature or remove these accounts at once. 
XXXX. XXXX XXXX XXXX This balance and date of last activity is incorrect. 
XXXX. XXXX XXXX XXXX XXXX multiple accounts ) My loans have been consolidated and refinanced. I am not sure how this company is constantly flagging my accounts as late and negative. Please remove these accounts. 

Please get back to me. If, for some reason, you feel that you will not process my dispute after I have provided you sufficient proof of my identity, then I have no choice but to file a complaint with the XXXX, CFPB and attorney generals office.

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 01-01-2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Problems caused by my funds being low

Complaint: I just logged into my Bank of America online banking profile for the first time in a long time ( I generally do not use them as much any more ) and found that they have begun charging a monthly maintenance fee on my Money Market Savings account of {$12.00} per month if my balance is below {$2500.00}. I have not had more than a few cents in this account for years and have never been charged this amount before, so now I 'm {$35.00} in the red after 3 months of charges. I do n't seem to have anything in my email or otherwise that notified me that this change was going to happen either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief