milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with U.S. BANCORP (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Applied for a HELOC on XXXX with a complete application including P & L, tax returns both business and personal for XXXX, proof of homeowners insurance. Was advised on XXXX that a drive by appraisal rendered a low value of $ 550k and the loan was not able to be approved due to insufficient collateral. Placed a complaint with US Bank and another agency requesting a complete walk thru appraisal. Walk thru appraisal was performed on XXXX. We are XXXX XXXX  contractors with XXXX XXXX routes and receive a weekly salary and weekly compensation from the corporation on the route, in addition to a monthly bonus. This was explained in great detail to the individuals who took the application. No questions were asked for clarification of the income until XXXX when I followed up for status on the appraised value. I assumed that the income was satisfactory since no other communication was received from the back that it was not. Only that the collateral was insufficient. I was advised XXXX that the loan was denied due to insufficient income/excessive ratios on XXXX! I was advised on XXXX that my walk thru appraisal came in at a value of $ 590K and that the income that was used to qualify me for this loan was my XXXX AGI from my 1040 's. This does n't make any sense to use income from last year when I provided YTD income. At the least an average of previous income and past income could be averaged to get a conservative figure to use for qualification purposes. For example use a 8 month average from the w/2 and P & L income with the 12 month AGi figure for the XXXX 1040 's for a 20 month average or just use current YTD P & L income along with paystub income for a 8 month average. 
My weekly salary is {$500.00} with a weekly pay from the corporation of $ 2400XXXX {$2600.00}. Us Bank used a figure of $ 6000 monthly for qualification purposes. I also receive a monthly bonus of $ 3000.I was denied and dont believe it was justified.

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 10/29/2016 about Consumer Loan (Vehicle loan) with Steward Financial Services LLC (NJ).
Issue: Shopping for a loan or lease

Complaint: I did not authorize or request credit inquiry this company.

Company response to consumer: Untimely response
Consumer complaint received 03/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: The issue is that a company named Rent Recover LLC is continuing to report thecollection account as " open '' when it has been discharged since XXXX/15. I have attempted previously to get this resolved with Rent Recover directly. I was told they would not remove this from my credit profile unless I paid it in full. It continues to show as an open account. This needs to be REMOVED immediately.

Company response to consumer: Untimely response
Consumer complaint received 10/17/2015 about Prepaid card (General purpose card) with NETSPEND CORPORATION (FL).
Issue: Adding money

Complaint: I purchase per paid card added money, then they denied me from being able to use it. The only explanation that would give me was that the count was frozen. After the fact they took my money, but not allowing me to use it. They decided that I was able to receive my money back with in twenty days, as a check. Netspend prepaid will be the last time I will ever use this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management keeps sending me a bill, even after I requested a validation from them. They have n't validated the debt, just sent me a computer printout from their own records, not from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent disputes to Experian to investigate the incorrect reporting of a XXXX account ( XXXX ) on my credit. <P/>The most recent communication I had with Experian was through a CFPB complaint I submitted in XXXX. I also submitted a similar complaint with XXXX who had also been reporting this item inaccurately on my credit. <P/>After XXXX initiated an investigation, this account was promptly deleted from my report when it could not be verified as accurate or complete on my credit. I am including an attachment with XXXX  's exact response showing the results of their investigation. <P/>Experian, on the other hand, provided a different response. They stated the following : " Per your previous requests to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree on three occasions. They responded and verified that the disputed information was accurate as reported. The result summaries were sent to you for review on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. '' Experian 's response shows me that my complaint was not even taken into consideration because they reiterated that they had already responded to my dispute on XX/XX/XXXX. It was automatically disregarded as frivolous despite having information that stated and supported otherwise. <P/>The issue is that the account is not even supposed to be reporting on my credit at all. <P/>I do n't understand how this can be possible? How can XXXX and Experian 's investigations yield two different results and outcomes? This does not make sense and only leads me to believe that Experian did not properly my process my dispute when I last sent it to them in XXXX. The original complaint case number for my previous dispute to Experian was XXXX. <P/>I am submitting this complaint because this account needs to be completely deleted from my credit report. If this XXXX account is not deleted, I need a detailed explanation of Experian 's findings and I need a clear response as to why they are getting different information than XXXX for the same dispute.

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 10/27/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America ... .AGAIN In XX/XX/XXXX they told me that they did n't receive my XX/XX/XXXX mortgage payment .... even though I had Proof that they cashed my check.They had me send in my bank statements to Prove I had paid them. Then the customer service rep said she could n't see the balance in my bank account so they could n't honor the payment until there was proof. After going back and forth with them and contacting a few Federal agencies. they FOUND my payment. they applied it to another account that was n't mine. Then they write me a letter in XX/XX/XXXX telling me not to pay for XX/XX/XXXX because they SOLD my loan to another servicer then around XXXX XXXX I receive a letter of them telling me they did NOT sell my load and to pay them. My new payment was suppose to be around XXXX a month because I got a lower insurance company. So I sent a check for {$2200.00}, then I just get another letter from them telling me Im LATE for my XX/XX/XXXX payment and I own another {$180.00} and I have UNAPPLIED Funds. I need a Federal agency to do a full investigation into them and their treatment of my loan servicing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2016 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (MA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX I went on-line to my statement to see if my bills had been paid, but then I see that some transaction was on there that I did n't make. I then contact XXXX American Express company to inform them about the matter. He told me that if I see any more transaction that I did not make to contact them back. I went on-line the next day and found XXXX more transactions from XXXX XXXX that I did not authorized and another XXXX from XXXX, but when I went back to the website my account had been closed. I called the bank and ask what was going on and they said that they had suspended my account due fact that I had broke one of their terms. I did n't understand what they was talking about and they said that I was one that made the transactions. XXXX XXXX was XXXX of the transaction on my account that I did not approved and then I called XXXX XXXX to find out who might have purchased the ticket that was on my account and they told me that it was not me plus they where going to admittedly start an investigation on the transaction that was done in my name then take legal action. After that I call Serve back to let them know that information that they had given me was wrong. They told me that XXXX XXXX told them that I made the transaction of buying a ticket to see a concert and to me that they was saying that I committed fraud. They kept saying that I was the one that had made the transaction which was not true. The next day I went to my police department In XXXX Ma. and file for identity theft. I immediately faxed over my papers. They told in about one week my case should be settled but it was n't. Then they told by the following Thursday it would be done once again not finished. I got tried and threaten them that I was going to bank commissioner and I have n't heard from them since. That is why I 'm filing a complaint. My bill are all over the place I ca n't pay my rent because the social security was sent to my the old account.and now I have to wait for social security to get it back. Then send it to my new account which I 'm still wait for its card because of all business with XXXX and American Express. I have my credit card companies calling for payment and now I have late fees add on top of that. XXXX and American Express have made my life a living XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit card () with TD BANK US HOLDING COMPANY (MD).
Issue: Billing disputes

Complaint: I had set up an electronic payment for my target credit card bill. Target never submitted the payment to my bank. They sent me a notice that the account or routing number I had entered was incorrect or that the account did not exist. The account did exist and was in good standing. I contacted target in response to their letter saying that they could n't process the online payment. The representative I spoke to was unable to take my account or routing number and gave me XXXX pieces of misinformation ( documented in my letter to target attached here with ) I subsequently spoke to XXXX other representatives XXXX of whom said she was documenting my complaint. She failed to inform me that if I had a complaint it needed to be submitted in writing. I closed my account having paid for all merchandise. I did not pay the {$25.00} fee. I submitted a complaint in writing which was rejected saying that Target could not have prevented the error. 
I have never encountered an online payment system that would accept a incorrect routing or account number. If target system does accept incorrect numbers, it seems that it would be creating problems for many customers besides myself. It is difficult to enter XXXX numbers without occasionally making an error. Every other system that I have worked with has immediately rejected the information if there was an numerical error. Since Target closed my dispute they have been billing A late payment fee every month and some months they have also charged me interest. They also sent my account for collection and when I wrote to the collection agency to document the dispute I started receiving phone calls from another collection agency. Meanwhile my closed account was in XXXX billed at {$230.00} with a {$35.00} increase each month. 
There seems to be no way to stop the continued accumulation of fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-02-2017 about Debt collection (Other debt) with Vantage Sourcing, LLC (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Have requested itemized bill regarding XXXX charges several times. I have NOT received itemized bill and Vantage Sourcing continues to call me DAILY. They claim that I continue to hang up on them and that I have never requested itemized bill which, is completely untrue. And, ironically they say that all calls are recorded and monitored but seemingly they can not go back and review to confirm that I have requested itemized bill and to not be called any more.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, JPMorgan Chase disbursed {$940.00} from our mortgage escrow account to pay our property taxes. As of XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX office shows that our property taxes are unpaid. I have repeatedly contacted Chase by secure message and I send a certified letter on XX/XX/XXXX regarding our property taxes not being paid. Chase has repeatedly lied and said that they paid our property taxes on XX/XX/XXXX.  They even told me that they mailed a check to the tax assessor 's office. Last year, we were told by the tax assessor 's office that Chase pays property taxes by electroncic transactions not mailed in check.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
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: Recently a '30 day late ' appeared on my credit reports with TransUnion that I noticed in XX/XX/XXXX. I  disputed this item because I was not late. The vendor is XXXX XXXX XXXX XXXX XXXX which was merged into XXXX XXXX XXXX XXXX XXXX around 6 or 7 years ago. The '30 day late ' appears as a XXXX XXXX XXXX XXXX XXXX but the same loan has no negative marks when it was converted to a XXXX XXXX XXXX XXXX XXXX loan some time around XX/XX/XXXX-XX/XX/XXXX. This '30 day late ' also  cause my credit score with TransUnion to drop 109 points in Late XX/XX/XXXX or early XX/XX/XXXX.  Since XXXX XXXX XXXX XXXX XXXX does not exist it is in my opinion that XXXX XXXX XXXX XXXX XXXX need to correct this '30 day late ' issue by removing it from my file and TransUnion needs to fix my credit score that recently dropped 109 points. The late appears sometime in early XX/XX/XXXX in either XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. Different reports have different dates. 
Thank you, XXXX XXXX XXXX, XXXX, MN 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 explanation
Consumer complaint received 04-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is XXXX pulling a scam. XXXX confirmed my cancellation and recieved all the proof they asked for but still has not resolved this issue and claiming I owe for a phone which is a complete lie ( proof provided ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Credit card debt) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My wife and I both had XXXX accounts with XXXX XXXX. I am listed as the primary on my XXXX and my wife is listed as an authorized user. My wife 's account list her as the primary and I am listed as an authorized user. My wife XXXX XXXX X/XX/17. I notified XXXX of her XXXX and asked that they close the account. XXXX made an un-authorized change to my wife 's account changing me from an authorized user to the primary. I have asked multiple XXXX representative how this has happened without any explanation. I have also requested for a copy of the application and they claimed they may not have it. My wife XXXX XXXX  without an estate to pay her debt. Since I am not a co-signer to the debt and only an authorized user I can not be held responsible for her debt. To date XXXX has removed my wife 's name from her account which shows they recognized her XXXX and wanted to quickly change responsibility to someone else. They had closed the account and within the last month they re-opened the account to an open status. My account still has my wife 's name as an authorized user but it has a closed status.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (OH).
Issue: Trouble during payment process

Complaint: I have a loan that is serviced by roundpoint mortgage. On XX/XX/XXXX my wife received a call from our insurance agent stating that our loan servicer had not paid our insurance premium, even though it was being escrowed. I immediately called roundpoint. I spent almost 1 hour on hold. The lady I spoke with said they had not received a bill and she would call my insurance agent. I was placed on hold and when she returned she said it had been worked out. On XX/XX/XXXX I received a letter from roundpoint stating that my insurance had expired and I was required to prove I had it or they would buy insurance for me at a higher rate. I looked at my account online and it showed no payment being applied to my insurance, even though it showed my insurance company and due date on the escrow portion of the account page. I again called roundpoint. As I type this, I have been on hold for over 1 hour and 45 minutes.

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 05-09-2017 about Vehicle loan or lease (Loan) with FORD MOTOR CREDIT CO. (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due   XXXX  ,  XXXX ,  XXXX , 60 days  XXXX , 30 days  XXXX ,  XXXX ,  XXXX ,   XXXX  ,  XXXX ,   XXXX   through  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Consumer Loan (Vehicle loan) with EQUIFAX, INC. (TX).
Issue: Managing the loan or lease

Complaint: I hired a law firm in XXXX 2013 because XXXX was going outside the parameters of their contract and was committing deceptive trade. The supporting documentation is attached that I have tried to work with XXXX and my attorney has also tried to work with XXXX to correct the issues they are reporting. Essentially XXXX has a glitch in their website and they are not processing payments in a timely fashion and then reporting them as past due although the payments are made prior to being 30 days over the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX mortgage payment was missed due to an error by my credit union where the payment was drawn from. Dovenmuehle Mortgage contacted me via written notice. I called Dovenmuehle on XX/XX/XXXX to explain to the the situation and they told me that they will be foreclosing. The loan was 35 days delinquent and they demanded payment. I was able to pull funds from three different sources and sent cashiers checks on XX/XX/XXXX to cover the {$2700.00} XXXX and XXXX Payment that they said was due. On XX/XX/XXXX, Devonmuele sent a real estate photographer to my property presumably to list/foreclose my property. Dovenmuehle did not contact me nor did anyone have my consent to enter my property. Furthermore, Devonmuehl has been paid the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX XXXX has agreed to remove both unauthorized inquires from my Transunion report. I did not apply and have no credit with these people. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX my id is attached please verify my signature

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
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: Called the company in ref to account on my report only thing said is thats it a old account i then reported to the 3 XXXX XXXX anf XXXX XXXX XXXX and no update was done

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TD BANK US HOLDING COMPANY (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collection agency reporting {$2900.00} as Open Account, & under collection accts ( XXXX ) times on credit report along with Original debtor Target/XXXX also reporting, {$1900.00} as charge off. This is reported XXXX on credit report.

Company response to consumer: Closed with non-monetary relief