milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Stearns Ventures, LLC (CA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: I am currently in a real estate transaction for which my lender is required to verify my past two years of employment which included Stearns Lending. This request was initially submitted to Stearns Lending on X/X/18 by my current lender. Their request has been ignored and I personally have attempted to contact via telephone and email the company, however ; my calls have not been returned nor have I received an email response. 
The lack of receiving the Verification of Employment is holding up the close of escrow, and thereby costing me money.

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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX ERC ( Enhanced Recovery Company ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We have been attempting to remove PMI from the mortgage of my single family residence as we believed we were able to request this when the LTV reached XXXX %. I paid for an appraisal to get the new value of my single family residence toward XX/XX/XXXX. After the appraisal, I was told that my request to remove PMI was denied because my LTV was at around XXXX %. Confused, because it was my understanding that the PMI can be removed at XXXX %, I further researched the issue, contatced customer service and was told that my " townhome or condominium '' needed to be at XXXX % LTV. Then, I came to the conclusion that Chase has me listed as a PUD instead of an SFR. I submitted a work order to have my property correctly listed as a SFR ( stated on the appraisal, page XXXX, section XXXX, line XXXX ) and to check back in about 10 business days which would have been around XXXX/XXXX/2015 ( The customer service rep agreed that SFR 's should be able to waive PMI at XXXX % ). I did exactly that. Chase stated that we work order was completed and I asked a mortgage specialist to resubmit the request as an SFR instead of a PUD. I received a call stating that request was still denied. I called in today to get the exact amount of additional principal needed to get my LTV down to XXXX % ( Chase stated that it needed to be below {$300000.00} ). In doing so, Chase 's automated system still stated facts about my " condominium ''. I do n't have a condominium, I have a single family residence. Becasue Chase has incorrectly listed my home as a PUD, they have cost me almost {$1000.00} in PMI that should not have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (FL).
Issue: Managing the loan or lease

Complaint: I had a XXXX Nissan Altima financed with them for just over a year with no problem. XX/XX/XXXX. I called to try and get XXXX. payment deferred they said that would be no problem. They took the payment anyway then claimed that the finance department did n't get the paper work on time. I was told that the payment {$310.00}. would be back in my account within 24 to 48 hours. Three days later I was told that I had to send them my account information in order for them send my payment back, which made so ne since to me because I had the automatic withdrawal so they should already have that info. I was also told that it would be 7 to 10 business days for me to get my money back. I was also told that I would have to email the account info. to them. I went to exeterfinance.com like I was told. I did not get Exeter finance, I got an error message saying " the page could not be displayed ''. When I called back again, I was told that I could give my account info over the phone. Every time I called to get this resolved they pushed to date back for getting my money. My electric was shut off because of this. I told them that I was going to get my car refinanced to get it away from them. Which I did, they were notified of this and they took the next payment deliberately. Now they tell me that it will take a month to get that payment back. I have reported this to the F.B.I. on their payments scam website. My next step is to contact The Federal Trade Commission and the XXXX and the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SD).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo has charged me excessive overdraft fees in relation to a already posted debit card purchase for {$7.00} and charged me a overdraft fee for withdrawing {$40.00} from my checking account and I knew I was overdrawn by {$33.00} by my own fault. 
I spoke to customer service and they reduced the fees somewhat to a lesser value {$48.00} vs {$100.00}. 
But I believe in the past history of wells Fargo charging excessive fees, all overdraft fees should be erased and a apology should be issued.

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 01/15/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: Closing date on my credit card is XX/XX/XXXX. I made an online payment on XX/XX/XXXX that was successful. However, I late found out the payment was applied as a float and my credit balance was n't adjusted. This led to a situation where I exceeded my credit limit because it was never adjusted after my payment. 

My credit limit is still not adjusted for my payment on XX/XX/XXXX, over a full week later. I was never notified of the float, or the fact that my credit was being withheld. 

I feel this company took my payment, told me it was successful, but never applied it to my account and updated my credit. Doing this without my knowledge violates my rights as a consumer.

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 07-03-2015 about Bank account or service (Savings account) with U.S. BANCORP (IL).
Issue: Account opening, closing, or management

Complaint: US Bank assessed a monthly fee that amounts to more than 10 % of the account value, for having an account that I use for savings and have had dormant. I find this to be unreasonable and am filing a complaint seeking reimbursement of the fees assessed for XXXX 2015 and XXXX 2015. 

I just made a deposit of {$50.00} and already {$10.00} have been taken out in fees. This is ridiculous and it is unfathomable that a bank that used TARP funds would resort to such petty tactics in order to make a profit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Before I decided to apply for a heloc loan I asked the coordinator I a seven year old bankruptcy was going to be a problem. He advised me that a bankruptcy was only looked at for the first four years. That a seven year old bankruptcy would not be a problem. So I proceeded the application process. I also checked with my local chase bank heloc, I was asked personal question like what race was i and sex I considered myself. information person and received the same information and I would need at least a XXXX credit score, Then after checking my credit report the seven year old bankruptcy was shown and my credit score was still a XXXX. No problem right? I was denied the heloc loan and was told the reason was the bankruptcy on my report. The double talk I received the chase bank leads me to believe I am being discriminated against for race or sex.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NM).
Issue: Struggling to pay mortgage

Complaint: I applied for a modification, my mortgage balance was aroun d 130K at the  time, by the time the mortgage was approved, the arreerages were around another  20K,  I did the 3 trial payments which were around 100 dollars more than the payment of my house before the modification. They denied it after the third payment because they said I had put my daughter on the title and I did that to had that house in her name when I died, and they said that she had a lien on her house at a different address and that because she had a lien on a different address for  XXXX  dollars that they can not approve the modification on my house and that they are proceeding to foreclosure when I called them today, they never sent me a letter or nothing since the month of  XXXX .
I called today and they faxed me something. Iam attaching it. I asked them to give me time to pay this and to modify my house and they told me that no they are proceding to foreclosure, how can that be????? They need to give me time to pay the debt of my daughter who is NOT no longer on title on my house, she was in 2016 and at the request of carrington, I took her off my house title she owns her own house in another place and the lien she owes to the department of workforce solutions is for unemployment pay back which is also a mistake she has to clear out as she does not owe that. she is working on clearing this out. The company should send me a modification package tome right away to honor my request for modification since they are waiting to   XX/XX/XXXX   so that they do not have to modify us according to thehope or harp or whatever the situation is for the tarp funds the banks received and force me out of the house I worked for. I am a   XXXX   year old  XXXX , and I worked for my house and I bought it for a lot more than it is worth and paid a lot of years for it. I also bought a substandard house built with bad materials and I paid thousands of dollars to make it livable.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XX/XX/XXXX I received a used auto loan from Capital One Auto Finance for {$24000.00}. As I set up my account with the representative using the capital one 360 account I made a payment online which I thought went through, but unbeknownst to me there was a error and the processing which triggered a string of late payments. These were not knowledge to me as I just started to pay through XXXX to have validation. 

In XX/XX/XXXX I paid off the loan in full. As I checked my credit report through all 3 bureaus to make sure that it has been completed as paid I found that these months of reporting along with a repossession were on 1 out of 3 reports. At the time of me paying it off and it full it showed that it had been paid on time for the last 2 years prior to such after everything got sorted out. In addition, once it was paid in full there was a significant amount of time before the title was received. I have not had the most pleasant experience dealing with Capital one auto from a customer service standpoint and hopefully the resolution will change that.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Student loan (Federal student loan servicing) with COAST PROFESSIONAL INC (CO).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: After having my husband 's tax return seized I contacted the department oof education today to find out that my student loans are in default and with a debt collection called Coast Professional Inc whom I've never received any mail or voicemails or emails from. They have had my account for a year and documented that they only sent me one piece of mail almost a year ago. They said they have called my phone but it's against their policy to leave a voicemail message. I have no records of their numbers calling me within in the last few months. I received no notice that our tax return would be seized. I am a XXXX XXXX XXXX mom who XXXX and I have no income and no access to my husband 's income or information. XXXX XXXX XXXX has stated that the only way they will allow me to do the rehabilitation program is to give them very detailed information from what my dental and hospital bills are to my cell phone bills to everything including everything about my husband. This is not his debt, only mine and I will not provide them with any information. I want my loans released from Coast Professional Inc and transferred to XXXX where my other student loans are current, on a repayment program, and I have maintained contract with for months now after completing another rehabilitation program without my husband 's information. When I asked to have my loans released to XXXX they tell me to call the department of education. When I call the department of education they tell me to call Coast.  I need help desperately to resolve this issue. I'm very willing to make payments even without having an income but I can not do so if they won't even allow me to sign up for their program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/2016 I sent Midland Bank Funding which appears on my credit report A Disputed Verification Letter WHICH STATES I 'M Deragotolry I owe {$550.00} am in collections in reference to a XXXX XXXX account. As I 'm checking around my previous credit report I came across on XXXX dashboard that XXXX account was removed from my account credit report as of XXXX credit report will no longer list this acct.The Acct. number stated XXXX is now under Midland funding .I thought the account was already removed from the XXXX credit bureau XXXX as stated on my credit report of XXXX correspondence I received on XXXX/XXXX/2016 was a letter acknowledging my dispute but nothing else no validation of contract or signature or proof.I sent out a XXXX Dispute Letter to Midland Fund after 31 Days and they sent me on XXXX/XXXX/2016 almost the same letter and a copy of Last Bill dated XXXX the Credit Report Midland Fund is re-aging this XXXXmidland fund as Date opened XXXX XXXX n't this a violation? I THINK SO!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I recently discovered that I was potentially eligible for protections under the Servicemembers ' Civil Relief Act ( SCRA ) and attempted to submit documentation to that effect to the Chase. I submitted the documentation necessary ( my Status Report pursuant to Servicemembers Civil Relief Act ), but was told that my account did not qualify even though I started XXXX XXXX in XX/XX/XXXX and opened my card in XX/XX/XXXX. They stated that I was on XXXX XXXX before which the government does not show ( or renumerate me for ). I submitted the requested status to two other banks, XXXX and XXXX both of which identified I qualified for the SCRA protections. This is the third time I am doing this and I feel this is becoming onerous as I have tried to do this process before with similar results where the process just drags on even though it is required by law. I spoke with XXXX and they stated that I show as XXXX XXXX starting in XX/XX/XXXX. The documentation, which is provided and signed, by the Department of Defense - Manpower Data Center is a government document created and accessed through : XXXX XXXX XXXX. It is the most current database of DoD personnel and is used throughout the industry. I feel that as Chase states that they are military friendly and then do actions like this with numerous DoD personnel as members understands this process and it just attempting to make it more onerous for members to receive the benefits to which they are due. I appreciate any assistance with this matter. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: this company has over  XXXX  inquires on my credit reports and i only did  XXXX  inquiry and was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: The XXXX XXXX XXXX account was paid as agreed and has a XXXX balance but shows charged off with a balance.on Experian and XXXX they will not update even after I uploaded the proof! The Credit acceptance account shows a balance and repossession this was a dealer endorse contract and is the dealers responsibility not mine thus the reporting is in accurate the credit reporting agency have failed to remove this from my report even after proof was submitted also credit acceptance required me to purchase an overpriced warranty to obtain financing which is illegal in Texas

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Auto debt) with CONSUMER PORTFOLIO SERVICES, INC. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company has called repeatedly. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: i am a plaintiff in a pending lawsuit the basis is fdcpa, fcra against Usbank Na alleged creditor and XXXX as servicer for the alleged loan. defendants are making a threat to take an action which they can not legaly take. 
On XXXX XXXX, XXXX. I was given the opportunity to observe the collateral file provided by US BANK NA alleged creditor location of XXXX office by a secretary who allowed me to observe the documents for appoximatley XXXX mins and gave me a black and white copy. 
Plaintiff now witnessed the Collateral file that was now altered in its original form. Plaintiff has now discovered a transfer of the DOT from XXXX XXXX XXXX XXXX transferring all benefical interest to : XXXX XXXX XXXX XXXX, as Trustee executed on XXXX/XXXX/XXXX witnessed by notary XXXX XXXX. 
Us bank Na has recently sent the Original documents to XXXX XXXX XXXX who in turn destroyed the Orignal allonge by writing void across it and has now stamped a new endorsement on the note. 
on XXXX/XXXX/XXXX XXXX XXXX tansferred the same instrument it had previosly transferred to XXXX to a trust dated back in XXXX. XXXX XXXX XXXX has sold the note to XXXX and allegedly to US bank who has yet to produce and authentic endorsement. a true and correct copy of the XXXX. to XXXX XXXX and a recent voided allonge is included as an exhbit along with a corrective assignment that has has not been recorded. I allege that this is morgage fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 'm tried so hard to bult my credit score by having small credit card paid on time, had a bancruptcy 7 years ago and have car that I 'm paying on time never late on my bills, unfortunately I ca n't get a major credit cards because I guess I 'm XXXX or my location I lived in XXXX XXXX area people like me will get denied constantly. This situation need attention cause I have XXXX friend who bad credit than are able to get credit or a loan ..I do not understand someone need to explain to me why I 'm getting turned down by the credit bureau??

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Debt collection (I do not know) with I.C. System, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Earlier this month, I received notification from my credit monitoring service that my credit report had changed. Knowing that I had n't filed for any new credit, I was immediately concerned about this. I checked my notifications only to see a account late notice on my report for a debt. I have no idea what this late notice corresponds to and I am not behind in my bills. I have not received an notification from the company regarding this alleged debt that I owe. My scores have dropped over XXXXpts, to XXXX, due to this alleged debt. This is utterly unacceptable!

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
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My previous complaints were delayed, ignored and not addressed by XXXX XXXX. I received a call today and they wanted financial documents ( application and denial letter ) from another mortgage company. These documents are not needed. The criminal sales practices by XXXX XXXX Mortgage are the issues here.

Company response to consumer: Closed with explanation