milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Credit decision / Underwriting

Complaint: Chase bank has put a dispute on all XXXX credit agencies. I have tried to determine what the dispute is for ( we are not behind or late and we are not disputing the balance ) they have not been able to give me a straight answer for this either. The best excuse that I have got from them is ( we filed bankruptcy in XX/XX/XXXX but Chase was not included ) that because of the bankruptcy they automatically put a dispute on the accounts. They want us to reopen the bankruptcy and refile with the bank to remove the dispute. 
All we need is a letter saying there is no dispute, we are trying to refinance with a HARP loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This complaint is in regards to my balance is showing different on all 3 credit bureaus and showing missed payments for different months. I am on auto payment with Credit Acceptance how can I have a missed payment. 
Credit acceptance need to update my balance to update all 3 credit bureaus correctly and remove the missed/ late payments. A payment can not be late if I set it up on their website and it is automatically drafted.

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 06/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: Today I called  Capital One  to open an account for a new credit card. I have a credit freeze on my account So I called to find out what credit services they use to get a PIN to provide them with so they could pull the reports. I was told that the only way I could proceed was to release the freeze on all  XXXX  credit bureaus for a period of at least 10 days. I told them that I had a freeze on my account for a reason and did not want to open the account to everyone and for a period of more than 10 days. The response that that was fine, this is what our policy is and I could go elsewhere. I asked for a copy of the policy they said no, it was an internal policy and they were not required to provide it to me. I asked why if the credit bureau had a way for me to open the files with a PIN that I would then provide to them so that no one else could have access to my file. Why they were unwilling to accept this. Again I got that not how we do things here at Capitol One. We do n't care if your bureau files are exposed to anyone and for how long.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Mortgage (VA mortgage) with AMERIPRO FUNDING, INC. (FL).
Issue: Credit decision / Underwriting

Complaint: In late XXXX of XXXX, my wife and I decided to purchase our first home together. After careful consideration, we decided to build our dream home and use my VA loan for the first time ( 11 year and XXXX XXXX veteran ). We decided to use AmeriPro as our mortgage lender after being referred from a friend and seeing a positive record of being Veteran friendly. In XXXX XXXX, AmeriPro gave us a conditional approval and the builder decided to build our dream home. During the next few months, I personally worked hard to make sure we hit every single condition. Over those months, we were occasionally assured by AmeriPro that everything was on track to close on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, AmeriPro contacted us and stated my wife had to be on the job for six months before we could close ... Although this was very frustrating in the last minute notification, we understood the oversight and decided to wait out the remaining month until she hit her six month mark at her current employer ( XXXX XXXX, XXXX was the six month mark ). We contacted our rental agency and placed our 30 day notice, being assured there was no reason why we should n't be able to close in XXXX. We were told now that XXXX XXXX would be our closing and nothing should prevent us from closing on that date. Ten days before closing ( XXXX XXXX ) we were confirmed to still close on XXXX XXXX, XXXX. A week before closing, the bottom fell out from underneath us, AmeriPro called and said there was no way to close on the XXXX of XXXX, XXXX because the VA required my wife to be on the job for a year. We pleaded that this was NEVER part of the conditions list and that we were now at risk of losing everything ... our {$10000.00} deposit, our current home ( rental ), the rental deposit, additional moving expenses and .... our dream home. AmeriPro apologized, but said there was nothing they could do and it was an oversight on their part. The piece that made this so frustrating is AmeriPro did n't care that a US Veteran was going to be homeless with his family and took ZERO accountability for their mistake or lack of professionalism and communication. On XXXX XXXX, my family and I were forced to move in with relatives, rush to get our furniture placed into storage and take on additional expenses. The lack of accountability and communication from AmeriPro is totally unacceptable. At a minimum, AmeriPro should have offered to come up with another solution, pay for the additional moving expenses and temporary housing ( at least 2-3 months ). I would hate to see anyone go through something like this as I 'm sure the mortgage industry is not set up to see people frustrated and homeless.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Municipal Collections of America, Inc. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XXXX/XXXX/16, I received a call from a debt collector from a company called Municipal collections of America, I think. He called me to tell me that they were going to suspend my driver 's license for unpaid tickets. He said that we can file our XXXX ticket to the State of Illinois and suspend your drivers license. I informed the man that there are no tickets on my credit report. He said that we saw your disputes come thru from the major credit bureaus and we did n't dispute them. So I informed him that since you did n't validate the amounts or validate that I owed for those tickets, why are you trying to suspend my license? He said that he did n't want to hear anything other than if I was going to pay XXXX dollars. Then he could stop the process of suspending my license. I tried to ask the man why would you not validate the amounts and the accounts? He said that there is no time for all that, Am I going to pay the XXXX dollars? or do I want my license suspended? I said I am going to call XXXX to find out what is going on. He said, Im going to go forward with suspend your license. He hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX who is XXXX. I currently own a XXXX home with my sister who works with me. We purchased this house XX/XX/XXXX and had a mortgage with XXXX who sold it to Wells Fargo. XX/XX/XXXX I was taking care of my mother who was XXXX and had XXXX. She became worst XX/XX/XXXX and was XXXX. While visiting her in the hospital I fell and XXXX was out of work for several weeks. My mother then passed away XX/XX/XXXX. The day before her funeral my sister had a XXXX which put our XXXX back further. XX/XX/XXXX we were tring to recover but my sister had XXXX and was again out of the office. 
I have submitted all this documentation to Wells Fargo including our business info and they denied our modification saying my income was XXXX a month when I only claimed XXXX per month on my taxes. In addition they are giving us only 30 days to pay our back payments. I have repeatedly called them to find out what is the amount we need to reinstate the mortage. 10 days have already passed and I still have no ans. This is unfair to us because we can not respond until we have this information. I have spent hours getting out information to them and they have delayed in providing information to us.

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 06/26/2017 about Mortgage (Other type of mortgage) with Seterus, Inc. (FL).
Issue: Trouble during payment process

Complaint: This is regarding CFPB Complaint Number : XXXX which has been closed.
<P/>
Your correspondence dated XX/XX/XXXX you are providing an update, I appreciate it. I have given time to Seterus to provide me with the necessary documents but to date, this has not happened. I have been in continued contact with Seterus and they continue saying the same thing " this is a lengthy process and you should be receiving the assumption trial period plan shortly ''. To date, I have not received anything. My home is in foreclosure with a trial date ofXX/XX/XXXX. Seterus states they have never prepared a divorce assumption with both parties alive, they have done this once a party/spouse passes away. I understand this and appreciate it but I have been waiting since XX/XX/XXXX to receive the Trial Period plan and this matter has been ongoing since XX/XX/XXXX when I was approved for a loan modification but it was under my ex-husband 's name. Basically it has been a little over a year and still no trial payments have been offered, nothing.
<P/>
My family is anxiously waiting to resolve this matter, my ex-husband is taking me to Court tomorrow XX/XX/XXXX to try and make the Court force our home to be sold. This is just incomprehensible. I just want to save my children 's home and have a roof over their and my elderly parents ' head. More time goes buy the more money they tag onto the mortgage. What happens if I ca n't afford the trial payments because the mortgage amount is too much since it will include Attorneys ' fees, late fees, and everything else. Last I knew, the mortgage owed to date was approximately {$400000.00}. The homes in the area and the comparable properties estimate our home to be valued at no more than {$350000.00}. The amount keeps going up but property values do n't, what can I do?

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 12/15/2017 about Debt collection (Payday loan debt) with Receivables Management Partners, LLC (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My credit report reflects two accounts of the same amounts of {$170.00} from the same company XXXX XXXX XXXX for the collection of funds for XXXX XXXX XXXX This is a duplicate.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I closed my Citibank credit card account in XX/XX/XXXX due to the 2 fraud transactions that resulted in {$1500.00} balance. At the time I closed the account, Id had a merchant ( XXXX ) refund my account {$710.00}, so that left the fraudulent balance on my account to {$780.00}. I was informed by the Citibank associate who helped me close my account that I would not be authorized for the this {$780.00} balance. 

Last month XX/XX/XXXX, Citibank asked me to pay for the {$1500.00} that incurred from the fraudulent activities back in XX/XX/XXXX. They told me I was responsible for these transactions before I did not promptly responded to the fraudulent affidavit form Citi bank mailed to my home, which I NEVER received. Nor did I receive any email from Citibank regarding that affidavit form. So I believe Citibank was not being truthful about that and just charged back the amount on my card for their convenience not having to go through the fraudulent claim on my behalf. 

I submitted a claim with CFPB 2 weeks ago and Citibank mailed me the affidavit form for the first time. I filed in the form and returned to them in the mail TWICE. Still, my account balance has not been changed ( {$1500.00} ). Citibank acknowledge that there was a refund of {$710.00}. Still, they had not fix the balance on my account at all.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX, Tax Lien reflecting on my credit report with all three bureaus in error. This started back in XXXX 2017 when State sent a lien XXXX to create a judgement. I paid this account within 2 days of notice and the judgement had not even been processed. I have experience a tax lien on my previous home but it had a XXXX balance. I had to obtain tax lien release for my home that had already been paid in full. I am presently experiencing this being reported to credit bureaus which is incorrect. This should not have made it far as it did. Also I have a collection account {$190.00} for XXXX ( XXXX XXXX ) reported and I had never received a bill, email or phone call. I had paid it in full once I received notice that it was reported to the credit bureau. I have placed a dispute for this account. It appears this new law that was passed has made this situation worse with the credit reporting for me not better. I am now in the process of purchasing a home and this could possibly hinder me, but I am trusting XXXX for favor

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 10/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Please refer to prior Case number : XXXX. 

In addition, the case was investigated by the FL Attorney General XXXX, who shuttered the fraudulent vendor XXXX XXXX Scheme XXXX XXXX  XXXXXXXX  XXXXXXXX XXXX XXXXXXXX, air, care XXXX County Clerk of Courts Office of the Attorney General Plaintiff vs. XXXX XXXX, et al Defendant XXXX XXXX  XXXX Case Number : XXXX The account was managed by XXXX XXXX XXXX & XXXX, XXXX XXXX on behalf of Bank of America. 

The Bank of America case as previously reported was represented by attorney XXXX XXXX XXXX XXXX XXXX, XXXX. The Attorney and record filed claims in the XXXX XXXX XXXX, FL Small Claims court CAPTIONED BANK OF AMERICA, N.A. V.  XXXX XXXX XXXX IN XXXX XXXX COUNTY COURT, CASE NO. XXXX ( COMPLAINT ). The Complaint alleged the Defendant became indebted to XXXX and presently owes {$2800.00} ( the Allegations ) regarding the consumer credit account number ending in XXXX. 

Attorney XXXX XXXX XXXX XXXX XXXX, XXXX. handling Case No. XXXX ( Complaint ) terminated the case by voluntary dismal. 

However, the item in dispute continue to appear on my credit report with a status of KD - Key Derogatory ( Charge off ) on both my XXXX and XXXX credit files. 

I have contacted both XXXX and XXXX over a XXXX and XXXX of XXXX with the supporting documentation and documented stamped/validated by the XXXX XXXX XXXX Clerk of Court. 

Today XX/XX/XXXX, I spoke with a representative at XXXX told me on a recorded line who told that the Bank of America had instructed them ( XXXX ) to keep the KD - Key Derogatory ( Charge off ) status on my credit report. When asked if I could get a copy of that instructions communicated by Bank of America, I was told that it could only be obtained via court subpoena. 

I would like the Consumer Financial Protection Bureau to enforce the terms of the voluntary dismal as agreed and signed with Bank of America Attorney XXXX XXXX XXXX XXXX XXXX, XXXX. and have the Bank of America status of KD - Key Derogatory ( Charge off ) on both my credit files i.e. XXXX, XXXX, XXXX, XXXX, etc.

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 07/14/2017 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: Information belongs to someone else

Complaint: This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Ac t, 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required un der Section 611 ( a ) ( 5 ) ( A ) (  i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd p arties you are damaging my reputation and credit worthiness.  <P/> Under the  FCRA 15 U.S.C. 1681i,  all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.  <P/>  XXXX   XXXX   XXXX  " NO ACCT # '' UNVERIFIED/NO CONTRACT

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 12/23/2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Credit card protection / Debt protection

Complaint: I purchased a TV from XXXX. Placed payments ( XXXX ) on auto pay. When XXXX requested payment from bank, the bank rejected payments. I received a letter from XXXXSnychrony stating that since bank has not honored payments they have suspended my card, send my info to credit and collection bureau. I have made all payment. Called XXXX several times with no satisfaction. I also went to my bank, they found that XXXX has inputted the incorrect account routing number and incorrect bank account number. The routing number appears under miscellaneous information, and the account number the first XXXX numbers were cut off. Also, on XXXX/XXXX/2015 I discontinued my auto pay. Today, XXXX/XXXX/2015. I went on to XXXX site and noticed that they sent to the bank for auto pay. I did received email from XXXX on XXXX/XXXX/XXXX stating they received my request for cancelling auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: On XX/XX/XXXX I closed a secured credit card ( {$300.00} collateral deposit ) with Wells Fargo which I opened back in XXXX. At the time of closing I paid {$76.00} to bring the balance just to {$300.00} ( Collateral originally mine ) and waited for the account to close. 41 days later they credit the collateral back not without bringing the account to a whopping {$86.00} in interest and late fees. I received constant calls about paying the {$86.00} and the automated voice menu gave plenty of options to pay and 1 option to talk to a rep which I always chose just to hear " at this moment there is no one to talk to you ''. 

I called another number and talked and complained to a rep which after much consideration forgave XXXX of the XXXX late fees of {$37.00}, like XXXX late fee assessment was right and the other not (?? ) and no reversal whatsoever on interest charges. 

This card was offered to me back in XXXX to help me rebuild my credit and it has done absolutely nothing for this purpose, now it is about to HURT my credit rating. On top of everything I 'm closing a just {$300.00} secured card, not shutting down the economy of this country ; how come it takes FOURTY ONE DAYS to credit my deposit back. 

This is PRIMITIVE at best.

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 06/23/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX is still reporting the repossession of a vehicle to All XXXX credit bureaus that is well over seven years old. This vehicle was never in my possession and is the responsibility of another individual that is not nor has never been a relation. The amount of said negative debt reporting from XXXX XXXX XXXX is about {$11000.00}. Exact amount and circumstance of loan unknown to me as again this is not my debt and is over seven years old. I recently discovered this when applying for a loan at my local bank. Please have account removed/deleted from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (SC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: I have an outstanding medical bill from University of XXXX as well as from the University of XXXX. The medical bills were a result of an automobile accident, for which I am pursuing personal injury settlement with my insurance company. My attorney has repeatedly notified the XXXX, the XXXX XXXX XXXX, and their debt XXXX of his representation and further instructed them to direct all communications to him. Despite this, I am repeatedly receiving invoices and debt notices to my home address and nothing is being sent to my attorney. At least XXXX account ( University of XXXX ) has been sent to a debt collector, and I believe this may be affecting my credit. The debt collector was also instructed by my attorney to contact him, but they have also continued to send statements to me. I feel harassed and bullied.

Company response to consumer: Closed with explanation