milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Application, originator, mortgage broker

Complaint: See Prior CFPB Case # XXXX SETERUS - Fraudulent and bad faith lending practices. Fraudulent foreclosure. Misrepresentations in lending. 
In XXXX, my mother passed away and I inherited her condominium located at XXXX XXXX XXXX XXXX, XXXX, California XXXX. As the estate was finalizing, the Lender was transferred from XXXX to XXXX ( see prior complaint against XXXX ). After multiple 'lies '' by XXXX and bad faith, XXXX then transferred the Loan to Seterus in XXXX which required me to start the process over of assuming a loan. Seterus, throughout the process, has misled me, committed fraud, backdated letters sent to me, indicated they sent letters which were never sent and are attempting to 'steal ' a property and I am doing everything possible to assume. They have set a foreclosure date of XXXX XXXX, XXXX so that matter is urgent! I am providing extensive documentation of my communication with XXXX and Seterus and their bad faith and fraudulent lending practices. Where is process now? After being told by Seterus on multiple occasions that a Loan Assumption Packet was complete ( originally completed XXXX XXXX, XXXX ), Seterus is now requiring a new packet. I received XXXX letters from Seterus this past weekend XXXX XXXX XXXX, XXXX ) which indicated the loan was " in process ''. I had spoken with XXXX XXXX of Seterus on XXXX XXXX, XXXX who indicated my Assumption packet was complete with the exception of a utility bill and an address. I immediately faxed the requested information ( attached ). Thankfully, I phoned Seterus today ( XXXX XXXX, XXXX ). I spoke with XXXX XXXX who informed me that XXXX XXXX was incorrect and an entirely NEW Loan Assumption packet was needed. This was the first time I was informed as such. It is clear that Seterus and committing fraud and bad faith and attempting to steal my property. At all times, I 've tried to pay the mortgage and assume the loan, but Seterus continues to misrepresent the status of my assumption packet in an effort to sell my property. This is my home and I want to keep this property. Please read prior Case # XXXX. 
I have now initiated at least 8 phone calls with Seterus and am basically lied to or mislead in every call. As an attorney myself, I 've never encountered such fraud and bad faith. Please help. I 've done everything I can to assume this loan and the predatory lending practices by Seterus will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have two student loans, [ one with FedLoan Servicing : {$170000.00} & one originally from XXXX, transferred to FedLoan Servicing : & & XXXX ]. I am paying {$1100.00} on the larger loan & {$170.00} on the smaller one. I have been paying for over two years on the smaller loan, which means it should have been paid off a while ago ; however, when I contacted FedLoan Servicing, I was told that only {$8.00} was being applied to that loan and the rest of my monthly was being applied to the larger loan. Can they do this? They also told me they would lower my monthly payment to {$12.00} instead of {$170.00}, which they have not done! I would like this loan to be marked : PAID IN FULL since I have paid OVER {$4000.00} on this loan. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX of 2017 XXXX XXXX sent me alert that XXXX placed XXXX  delinquent reports on my credit report. I have never been late making a payment, and my credit report shows this. As soon as I got the alert I called XXXX and set up a payment arrangement on XXXX of my student loans. I then filed a complaint with the BBB, which triggered XXXX XXXX from XXXX to call. At first he led me to believe he was going to get the XXXX negative marks taken off my credit report. I have over {$90000.00} in student loans and am a person with a XXXX who recently lost his job. In XXXX of 2017 I applied for Forbearance with XXXX and was approved. XXXX led me to believe ALL of my loans were in forbearance, however XXXX XXXX  advised me XXXX of my private loans were n't looped into that forbearance. XXXX never sent a letter, never placed a phone call, and never sent an e-mail advising me that I was delinquent. I provided them with copies of my cell phone records to prove this. XXXX XXXX in the executive offices of XXXX never followed up with me, and I had to call him on XXXX XXXX, 2017 to see what had happened. I was told when setting up the payment plan in XXXX of 2017 to write a letter to XXXX XXXX credit reporting area of the mistake and that they would fix it. They never responded to my letter. All I am asking is that XXXX correct the inaccurate reporting.

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 12/17/2017 about Debt collection (Auto debt) with MRS BPO, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: To whom this may concern : In mid XXXX of XXXX, I contacted XXXX. XXXX about a closed account that was on my credit and I was unaware of this charge. I called to get as much information about this account such as what is the company, a signed contract, who were the people on the contract, when did the agreement occur, address and phone numbers listed on the account etc. They were very rude with giving me information and made comments like " How you do not know about this account being on your credit ... This is your account ... '' I had to nearly argue with the representative letting her know that I am a victim of identity theft and I never ever paid any attention to my credit until now and just had a child so I am trying to better my future by starting to work on my credit. The representative informed me that there was nothing they can do, due to the loan being bought by a collection agency by the name of MRS Associates but can send me the contract via mail and instructed me to fill out a fraud packet on their website ( in which I did ; no response back ). I contacted MRS Associates by mail on XXXX XXXX, however the mail was returned OPENED. So I did my research once again and look at their website. On XXXX XXXX, XXXX and XXXX XXXX, XXXX, I emailed MRS Associates ( XXXXXXXXXXXX ) asking for validation and not verification with signed contract. I have yet to received a response from both companies. As well, I have contacted the XXXX XXXX XXXX in XXXX, Texas where the perpetrators purchased the vehicle and asked for camera footage to turn in to law enforcement. I was informed that they are unable to go back so far being that it was XXXX, XXXX and they do not have footage from that far. I have been a victim of identity theft and provided MRS Associates and XXXX. XXXX with proof but nothing has been done as of today. I have all the documentation including FTC Identity Theft letters that I sent to both companies and no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: opened a sear citi bank master card. after only several uses card was declined. when I called they said they think someone else may have used the card. I requested that they immediately close the account. they asked for my password saying it starts with the letter "  XXXX  '', I have no such password. now they say they ca n't verify who I am to close the account. I 've tried 4 separate occasion. I requested they send a form to my address, they have n't. I wrote a letter with the details and a request to close the account including a copy of the bill that was sent to me as proof and a check paying the balance in full. I just want this account closed.

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 11/13/2017 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I wrote a validation of debt to company. Sent certified mail on XXXX/XXXX/XXXX. Debt Recovery Systems received certified mail on XXXX/XXXX/XXXX @ XXXX. Failed to receive validation of debt from said company. Debt Recovery Systems is in direct violation of Federal Law of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Back in 2006 I filed bankruptcy. The hearing judge took it back to court and reversed it. I have been to the county clerk and the federal office on bankruptcy. neither show it. Now I have contacted them several times in the last6 years. Equifax is yet to remove it. I also have inquiries on my report I did not authorize and they told me they could do nothing about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello and first thank you so much for helping assist me with this matter. 

XX/XX/2017 Was what I believe was the 2nd or 3rd time I challenged this which I have the certified receipt when I mailed them the letter about this matter. 

It was for the credit card that was {$300.00} that I PAID OFF IN FULL I have truly tried for months to have Wells Fargo correct the status of this credit card from Late to Paid or Paid Charged off ... =- ( the other 2 bureaus completely removed it from my credit. However they are still reporting it on my XXXX as a derogatory remark and its causing me to be denied over and over again. Its hurting my heart! I really am trying to get this taken care of.my credit that I may take out a loan to start my new start up that I am working on. However this has been for months which I have letters of them saying I paid it off and to send that letter to XXXX which I have done sent them a copy to have them remove the comment from Late to Paid, I also have sent XXXX   letters in the form of challenging the remark and they come back to say its correct which I am 100 % sure it is not. I admit when I was in my 20s I did a bad job keeping up with the account after loosing my job with XXXX. None the less I took responsibility and paid it off last year yet they keep reporting that it is Late when it is Paid off!! If you can see my payment history it is 100 % on all 3 credit bureaus. 

I humbly am asking that someone please help me get them to either remove the file all together off my XXXX credit report or Please say its Paid and or closed =- ( I done this challenge process maybe 3 times with them from XXXX as well as them ( Wells Fargo ) directly.

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 07-07-2017 about Debt collection (Payday loan debt) with Guidiville Indian Rancheria (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: On Friday, XXXX XXXX,2017, A XXXX XXXX of XXXX XXXX XXXX contacted my employer stating that a payday loan debt, which was paid, I have copies of the contract and the payments made through my credit union to verify payment, was not paid. They also attempted to contact the office manager. There conduct is in violation of several US laws and regulations that provide for the collection of purported debts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Bank of America placed my checking account in their account closure department and is holding my direct deposit from my employer. Each day that I call them there is a different timeline on when I will receive my funds. The risk department account team is rude, talk very fast and constantly change their responses depending on what questions may be asked. The responses and timelines are inconsistent depending on their mood and the day you call. They sound extremely stressed out. Yesterday, I was told to call back after my account and direct deposit were processed. Today I was told 2-3 business days I may be able to go into a branch and receive my funds. The key word is may. Bank of America will not set a definite date. Otherwise I can wait until after the account receives a closure date. and wait an additional 15 days to receive a cashiers check in the mail. On Friday - 4 business days ago I was told by customer service - good luck to you. Once the account is placed into the account closure department apparently it is up for review to receive an acutual account closure date. I would not recommend doing business with Bank of America. They are holding my direct deposit from my employers funds until further notice. When I asked if today, the day my request for my funds was made official on their end is 2-3 business days the representative quickly said, today does not count for a business day since the request was just made. She then Quickly threatened me and said do you want me to submit this request or would you prefer to wait and receive a cashiers check in 15 days after the account closure? I have never been treated so poorly by a company. I am hoping the CFPB can help me resolve this issue. Bank of Americas process of closing accounts is unfair and accounts that have large sums of money ( over XXXX ) should be handled differently.

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 10/30/2016 about Debt collection (Medical) with Professional Recovery Management (MS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This collector called me twice but never sent me anything in writing letting me know how to pay my debt or giving me the right to dispute. An email was sent to me on XX/XX/2016 and that is the only communication I have had with them in writing. They have filed this collection on my credit report. This has had a negative impact on my credit score that I have worked so hard to build and I believe they should rectify the situation and take this off of my credit report. When we spoke on the phone, I was told that the originator creditor did not have my current address and instead of trying to receive it, they turned me into collections. This was very unnecessary considering I had my child at the XXXX hospital and ever though the creditor and hospital are XXXX separate entities, they could have exercised due diligence and found my current information without messing up my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have a student loan with Navient. Been paying them for a little over a year and they keep increasing my loan. That its affecting my credit score as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Auto debt) with CONSUMER PORTFOLIO SERVICES, INC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Multiple phone calls including auto-dialing occurs daily. Even prior to being considered 30 days delinquent with a payment. My references are called for collection purposes and my job was being called multiple times a day ( even though I did not provide the number ). With all of the calls I receive, there is also a voicemail message. Prior to me asking them to no longer call my job, I was receiving daily voicemail messages at work seconds after a message was left on my primary line.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Managing the loan or lease

Complaint: I took out a loan with LoanME, INC. on XX/XX/XXXX2016 in the amount of $XXXX I did not have the necessary knowledge at the time to understand why I would be paying $XXXX in the long run. I cannot afford payments of $XXXX netherless 115% monthly. I tried to resolve my debt to lower interest but that has become impossible. They are taking advantage they hold a California licensing but its unfair how they abuse the interest to individuals like myself who are in need of instant cash but pay for it in the long run. This is unfair I feel is abusive , emotionally XXXX and leaving customers in more debt then when they got the loan. I heard they were XXXX before to which they were shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Hi I 'm XXXX XXXX. This was back a couple months ago in XX/XX/XXXX-XX/XX/XXXX. I was missing my XXXX XXXX  Card one day, I could of drop it outside or lost it. I found things charged on my card that was n't even mine. So I called XXXX XXXX  they told me I 'm sorry that someone bought or stole from you using your card. They offered a kind gester to waive all the fee 's so the women from XXXX XXXX told me well you have {$0.00} balance now, after desputing the charges. Also she was suppose to send me a letter so I can send back never got that. She also opened me up a new account. So after all this I was like, okay XXXX told me I do n't owe nothing and all the charges were disputed. I told her thank you for all the help and you have a wonderful day. So Wells Fargo Fraud or Debt Collections tried contacting me like 5 months later, and I got interest from them also. But they said oh your charges got denied. I was like why. He said because of transaction history and I knew that was n't why because I never used the card. So the person who stole my card used around {$300.00} dollars which XXXX said they waived it all and said I have a {$0.00} balance but not its like {$500.00} or more now coming from Wells Fargo. Then Wells Fargo was like we have no file on record saying it was waived or they said anything about that. So basically I 'm in a fraud debt, I do n't even owe. He also told me oh you can not right a letter for fraud either the Manager of Wells Fargo Fraud Team.

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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I never received statements from   XXXX   XXXX   When did get them I was in hospital and explained to them. Caught payments up and they closed my account. Have asked them to reduce interest rate or reopen account. This is the only mark on my  credit score .

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 08/22/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MN).
Issue: Trouble during payment process

Complaint: Ditech the loan servicing company sent me a letter stating my mortgage payment had changed to a lesser amount. I in turn changed my payment amount according to the letter I received. Ditech told me the letter stated I change the payment on XX/XX/XXXX. I called to verify the correct starting date and understood it to be XX/XX/XXXX. I received a notice that my credit score had changed because Ditech had reported a late payment. Also I got charged a late fee. I requested Ditech to resend me the letter stating the payment terms. I have n't received the letter. I received a Email stating the issue has been resolved but in fact they are still charging me the late fee and reporting late payment. The amount I sent to Ditech covers my mortgage payment. the extra amount goes into an escrow account for my property taxes which is an elective amount at my discretion.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: It was n't until my husband took over the bills recently that he noticed I have been charged a  Card Security fee  ranging from $  XXXX  for the past  two years on my Amazon Credit account. I never signed up for this service. I h ave no idea what it is. I never agreed to this service, etc.   I have been trying to run a   XXXX   XXXX  , give people jobs, while supporting my mom who has been on  XXXX  for over 20 years, borrowing tens of thousands of dollars to try to keep my business afloat only to have some insidious fee/company draining me of much needed money every month. I do n't have time to read over every single bill I get in order to look for hidden fees. I look to see what I owe and I make a payment. I have tried calling the  XXXX  # listed on my Amazon bills but I have not been able to get a hold of anyone. The website mentioned on the automated message is not active.   I found a discussion about this online, and I am not the only  one  in this position. If you scroll down just a little, the complaints begin -   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 monetary relief