milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Seterus, Inc. continues to report that our mortgage payment is late, at this point they have reported this for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We contacted them in XX/XX/XXXX and told them that we were going through a financial hardship because of a job loss and then having to relocate to another state once a job was found. We tried to sell the house but were unable to do so and let them know that we were no longer able to pay both the mortgage and our new rent and asked what options we had. They suggested a deed in lieu of foreclosure so we completed and submitted the necessary forms. We were approved XX/XX/XXXX and we continued to receive threatening letters from Seterus and their law group, XXXX XXXX XXXX that we owed for XX/XX/XXXX and then XX/XX/XXXX. This was all while we completed the paperwork that needed to be notarized and sent back to the XXXX XXXX XXXX. In this paperwork we signed over the property to Seterus , Inc. on XXXX XXXX. They received this packet on XXXX XXXX via XXXX. On a trip up to visit family on XXXX XXXX we went past our old home and found a note attached to the front door stating that XXXX owned the property that was dated XXXX XXXX. We are in the process of filing disputes with the credit bureaus but we would like this matter resolved and for Seterus , Inc. to stop reporting that we are still late. We would also like them to file the necessary paperwork with the county since we are still listed as the owners of the property. Therefore we have our old HOA contacting us as if we still own the property and claiming that we owe them for HOA dues for XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: NAVIENT consolidated the Loan amount stated below on XXXX/XXXX/XXXX but only shows payments from XXXX/XXXX/XXXX. When I contacted them to protest the balance they claimed that they do n't have records for the previous 5 years. I 'm frustrated by their lack of accountability in managing my account balance. I also started a XXXX in XXXX and should have qualified for Loan forgiveness under the Navient Guidelines for Forgiveness & Discharge,  but again, I received no assistance in this matter. My XXXX XXXX has been active and Filed all Tax returns through XXXX. When I heard they were being Sued by the CFPB as well as three Attorney 's General, I investigated and feel well within my rights to file a complaint to seek relief from this " Never Diminishing Balance '' The following are facts pertinent to my Loan obligation with NAVIENT * {$68000.00} in consolidated Student loans, * XXXX per month payment, amortizes out to 4.125 % over 30 years Leaving a balance ( allowing for 12 months of deferment ) OF {$50000.00} * Current Balance, however, is XXXX * Missing payment Schedule between XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX Eligible for Loan Forgiveness from XXXX when XXXX XXXX was approved. 
* Balance should be {$50000.00} ( not calculating the payment increase to {$340.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: APR or interest rate

Complaint: I purchased a refrigerator at Best Buy and the customer representative set up the account for 18 months deferred interest. After 18 months over {$1100.00} in interest was backed charged. I did n't receive any advance notice that the promotional interest free date was ending. Not one notice was emailed or mailed to me regarding the promotion ending and the charges that would occur. I did not receive any billing statements by email or postal mail in XXXX 2016. I feel this a bait and switch tactic as there are no alerts or special notices emailed or sent to the customer after 18 months to indicate the end of the promotion. I was advised subsequently there is a 1 line small detail in the regular online statement. ( However I did not receive any emailed regular statements indicating this information ) Most customers will forget after 18 months without any reminders. I believe the interest should be removed as this is a bail and switch and I was not properly notified by email or postal mail of the change in terms. In addition they changed my billing to paperless without any notification, however I also did not even receive a regular email statement with the information.

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 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: Experian has a {$770.00} written off there is nor any money written off. 

There is no where from XXXX XXXX that states I owe any money. By XXXX letter it states there are no further amounts due on the above account. 

Experian did not address what I stated in which is the {$770.00} written off that shows by Experian.

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 01/26/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: While attempting to re-enroll at XXXX XXXX Colleges I was told I could not register for classes unless I paid an alleged debt to the collection agency TSI. The original debt was only {$420.00}. But TSI said I had to pay {$970.00}. TSI told me that was the {$420.00} plus an {$82.00} fee and interest. But, TSI could not explain why they were entitled to the {$82.00} fee or interest. I did not owe the debt and no law or agreement I am aware of allows TSI to add fees or interest anyway. I had to unfairly borrow money to pay the full {$970.00} so I could enroll an attend school in time under protest.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I discovered last month that   XXXX   XXXX   XXXX   is still continuing to report mortgage payments located at   XXXX   XXXX   XXXX  .   XXXX   , GA to creditors. I contacted them last month and advised that this loan was filed under Chapter  XXXX  in  XXXX . I was not provided any assistance. I reached out to  XXXX  and  XXXX  and filed a dispute. I received the message dated  XX/XX/XXXX  from   XXXX   : Discharged through Bankruptcy Chapter  XXXX . This account is scheduled to continue on record until  XX/XX/XXXX . I contacted the bankruptcy attorney who advised that this account should not continue to be reported on my credit. It is being reported to all credit agencies. This debt was included in Chapter  XXXX  back in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: Other

Complaint: My daughter and I purchased an adjustable bed from XXXX in XXXX XXXX with free financing for a year. The first payment of approximately {$90.00} was due in XXXX, however, after the XXXX payment, I paid $ 100 monthly. In XXXX I received delivery of Living Room furniture, and thought I would be able to continue paying $ 100 monthly because in XXXX XXXX, I was going to pay off the entire balance. I did not discover until I received a statement from Wells Fargo in either late XXXX or early XXXX that I owed them more money. ( See Exhibit A XXXX Bill Pay XXXX ). On XXXX XXXX, XXXX I made a payment of {$490.00} ( Also See Exhibit D indicating I paid {$390.00} plus my $ 100 monthly payment ) .and Exhibit E, explaining the payment in detail. Sometime in early XXXX I was advised that it was not possible to return my {$390.00} check back. 
I made an arrangement with my daughter starting in XXXX XXXX to pay the additional {$52.00} that Wells Fargo required as minimum payment and she set it up with her banking bill pay for automatic payment every month this year, at which time I intend to pay the balance in full. ( See Exhibit B XXXX Bill Pay spreadsheet ). Upon information and belief, we had satisfied Wells Fargo 's requirements. Today I received the XXXX Statement ( Exhibit C ) indicating that I have a debit of {$430.00} on my account and my monthly payment is now increased {$250.00}. I had to place several calls to Wells Fargo to find out where this debit came from, when it was posted and WHY my minimum payment had increased from {$150.00} to {$250.00} when I 've continually paid them on a monthly basis and have not purchased anything since XXXX XXXX. 
It took the agent some time to find out what had transpired since and the agent finally discovered that the Bank, without my knowledge or approval and despite what I had been told by Wells Fargo Bank which was indicated in my XXXX XXXX, XXXX letter to US Treasury Help with My Bank, I had asked for the {$370.00} back ( {$390.00} minus the {$26.00} in arrears ) and they advised me that : " that was not possible ''. TODAY, I discovered that they not only retruned the {$370.00} back but also the {$26.00} in arrears back, without my approval or knowledge and have no not only increased my monthly amount due, but also sactioned additional late fees. See E2, E3, E Attachment 1, E Attachment 2 & E Attachment 3.. I do not know when Wells Fargo assessed these charges, I requested the date of the posting but was never advised.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX, XXXX, Equifax have allowed computer hackers to access my credit and personal information and allowed hackers to open many accounts and taken all of my money in my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Payday loan, title loan, or personal loan (Installment loan) with Applied Data Finance, LLC (AL).
Issue: Struggling to pay your loan

Complaint: Got Loan f rom company on approximately  XXXX / XXXX / 2016  to fix my automobile in anticipation that my  Insurance Company   XXXX   XXXX  would be paying for damages incurred by a freeway accident on  XXXX / XXXX / 2016 .  XXXX   XXXX  found a way to deny my claim on  XXXX / XXXX / 2016  and I was stuck with the loan. Did research on to try to find a solution and found out that the loan itself is illegal in the state that it originated according to anti-loan sharki ng laws, California, the state that it was loaned in according to small loan law, Alabama, and according to Federal Law, the Electronic Funds Transfer act, because the loan requires to originate both that the lendee accept from the lender and make payments to the lender by Electronic funds transfer to be abl e to receive the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Other debt) with CITIBANK, N.A. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: AT & T SOLD TO XXXX XXXX XXXX XXXX CASE XXXX, CLIENT XXXX IN THE AMOUNT OF {$340.00} AND SENT TO 9 OTHER AGENCIES ALL COLLECTING A FRAUDULENT ACCOUNT. 

YOU ARE IN VIOLATION OF THE DODD-FRANK ACT S.O.L. EXPIRED

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 11-06-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have spoken to Equifax numerous times in regards to 3 Hard inquiries conducted by " Equifax Mortgage '' on numerous dates. I have spoken to numerous representatives and faxed a letter from Equifax Mortgage ( see attached ) and they state will look into and remove but still has not removed the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have received several phone calls from approx XX/XX/XXXX thru XX/XX/XXXXfrom in attempt to collect on a various debts that they claim I owe money for. Upon first contact they have claimed to mail out a collection letter yet I have not seen any that im aware of. 

I have requested every time that I would like verification in writing to prove that I owe the debt to this company. They have failed to do so to this date. 

I have done several disputes on my credit in attempt to remove these collection accounts from my credit and they refuse to show proof of the debts listed on my credit yet they have refused to remove them as well. 

I have also called several times over the past year on my own behalf and requested verification in writing that I owe the debt and they told me no that they did n't have to or that they could not do it for random reasons that did not make sense to me. 

Its my understanding that the law states that they have to show proof to me in writing and verify the accounts. 

The company info that is on my credit shows up as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I believe this is the same company as XXXX XXXX XXXX Along with placing 12 items on my credit some of the items they have placed are duplicate entries that have dropped my score even lower and despite several disputes they have also refused to remove the duplicate copies of the accounts on my credit as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have mailed several written requests to the credit reporting agency to remove all of the listed places of employment from my file. The information provided is incorrect. I have never worked for the XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX or any of the other companies listed in my report. The credit agency has failed to honor my request and remove this false information from my reports. It is causing issues for me when I go thru security screenings. I am asked very often to verify time period for places of employment that I have never worked. The credit agency needs to remove this erroneous information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Medical) with MiraMed Revenue Group LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Before XXXX I was an uninsured unemployed XXXX in need of emergency medical care so I went to XXXX XXXX ( Indiana ) hospital XXXX. Resultant in a medical bill that is with collection agency named Miramed Revenue Group ( XXXX ) in amount {$910.00}. I would like an opportunity to settle this so it can be removed from my credit, please. This company has many reviews that complain about its lack of Customer Service

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (Medical) with Herbert P. Sears Co., Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: HP sears is attempting to collect debt on behalf of XXXX for the services that I have never received in first place! My numerous attempts to contact them went ignored and now western dental AND HP Sears are calling and mailing harassment letters non stop. Where is the justice here!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Unsolicited issuance of credit card

Complaint: I had a XXXX XXXX XXXX account which I quit using shortly after they announced XXXX was switching to a different issuer effective XX/XX/XXXX. 
I received a letter from Citibank around XX/XX/2016 welcoming me to their new XXXX card which I had not requested. 
I called them and was informed I would receive the new card unless I cancelled my XXXX account which I did that evening. 
On XXXX/XXXX/2016 I received a credit card from Citibank. 
It is my understanding that it is not legal to send unsolicited credit cards or to open lines of unrequested credit. 
Am I correct?

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 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: There is an account listed that is past the statute of limitations and should NOT be listed on my credit file and can not be validated. I have tried several times and even through the CFPB no response nor validation. Requesting this account below be removed ASAP XXXX XXXX # 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 02/15/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Diversified Consultants. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2016 about Bank account or service (Checking account) with PNC Bank N.A. (IL).
Issue: Deposits and withdrawals

Complaint: My account was used to process a fraudulent checks. I was supposidly hired as at the XXXX as an XXXX XXXX. My job was to XXXX for the purposes of travel and other expenses to the other employees at the XXXX XXXX XXXX. As a result the false checks bounced back into my account leaving me with the negative balance. Unfortunately my bank is about to submit me into collection since I have no money to offset the balance. I am currently unemployed, leaving with my parents, and unable to make my ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Billing disputes

Complaint: I have had a citi credit card for years. In XX/XX/XXXX I discovered fraudulent charges. I immediate notified citi and had my card closed anda new card issued. One place it was used fraudulently was XXXX. After I recieved my new card I saw XXXX bill me again and again the next month. I contacted citi and disputed the charges and was credited back. I was told closing my new card and getting a new one will not help. I ca n't get them to stop XXXX from billing me. I need help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Opened the XXXX XXXX XXXX American Express card on XX/XX/XXXX. 

The bonus offer was XXXX bonus Starpoints if {$3000.00} of eligible spending was completed by the end of the first 3 months of Card membership based on the date of the Card Approval. 
The Bonus points would appear on my XXXX XXXX XXXX statement 8-12 weeks after the spend threshold was met. 
The Card was approved onXX/XX/XXXXThe {$3000.00} threshold was fulfilled onXX/XX/XXXX The account should have been credited with XXXX points onXX/XX/XXXX ( per an American Express associate ). 

OnXX/XX/XXXX, I spoke to American Express associate who informed me that I should have received the bonus promotional points. The accounts was not credited since XX/XX/XXXX since Amex had been having technical issues but that the account would be credited with the XXXX points within 10 days. 

On XX/XX/XXXX during a follow-up call with American Express an AMEX associate informed me that they were still working through technical issues and could not provide me with a date when my account would be credited with the points. At that time I asked if notification had been forwarded to card holder on the issue and the associate informed that might have been the case but could not confirm. To-date I have not received a notification letter. A complaint was filed and complaint number was provided XXXX. 

I have lived up to my end of the agreement by meeting the initial requirement to qualify for the promotional bonus within the specified time frame. The account is always paid in full and on time. My expectation is that American Express fulfill their end of the agreement. American Express has been delinquent on crediting the reward points for almost two months. If I would have been delinquent paying the account for two months American Express would have reported me to the credit reporting companies. For a major corporation to have technical issues impacting account holders for this amount of time is inexcusable and absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The mortgage and lease auto accounts were paid in full and no longer valid. Last reporting information needs to be reported with comments that these loans were paid as agree upon. 
The Tax Lein is close to XXXX years old and was paid off before it was submitted to collections. The public report needs to be removed from XXXX Credit Bureau immediately. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and all other medical collections were paid in full and should be removed from this credit reporting agency.

Company response to consumer: Closed with explanation