milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Seterus.Inc in XX/XX/XXXX from XXXX. We were not notified of our loan was going from the frying pan into the fire. We was told our first payment to Seterus would be {$710.00} as we had what was called an overage amount in a suspense account. XX/XX/XXXX paid the normal load amount. XX/XX/XXXX paid the normal amount but check was late by one day and we where charge a late fee and paid it. XX/XX/XXXX through XX/XX/XXXX began a nightmare that we are now waking up from. We were told that our loan was in default XX/XX/XXXX and had to make a payment of {$5000.00}. By XX/XX/XXXX we would have paid Seterus over XXXX. No one would speak to us except to tell us the only thing they would do is to give us a payment plan with paying {$400000.00} a month on a monthly payment of {$2500.00}. Over and over and over we questions this amount and never got an answer. The online statements never made any sense and no one wanted to explain. Subjects to wait time on the phones for 30 minutes at a time. Threatening phone calls and letters saying they would foreclose on my home unless paid by the time they would set. Fearful of loosing my home today I have paid over {$75000.00} dollars to the company and still I do n't know for what. Call takers and managers or rude and short fused, dare say anything to offend them and your call will go into cyberspace and you wait and wait for them to come back to the phone. This company has ruin my credit by false payment reporting. Left me barely eating or living by stealing my money and threatening to take my home every month for 2 years. Too date, I 'm waiting for an investigate of loan/payment processing to go over my loan. I paid my mortgage online as I have done for the last 2 years with my debit card, payment went right to my account. Today I tried to pay it and was blocked. I called customer service and was told because I paid them late in XX/XX/XXXX, I was barred from paying online again. When I told them I 've been paying online for the last year, I was told, " the system had not caught up with me until now. '' I was told I need to go to the bank and get a certified check or send a money order only. Trying to interpet their on-line statement is impossible. I need help in exposing this fraudulent company and recovering my loss. In efforts to show you the monthly statements increasing in payment instead of decreasing, I have attached a few. I have all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX I paid in settlement to Chase credit cards and these XXXX credit cards were business cards and XXXX show them as in derogatory, but that is not true, because I do n't own any penny to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC ().
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX my loan was paid off due to the sale of the property and during closing I made an over payment in the amount of {$780.00} to Ditech. This over-payment was refunded to me by check, ~ XXXX dated XXXX XXXX XXXX. The check was subsequently lost in the mail so I contact Ditech in XXXX XXXX to have it re-issued. It is now XXXX XXXX and I still have not received the money owed me. I contacted Ditech in XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX and XXXX XXXX to find out why I still have not received my money. I have spoken with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX all of whom assure me that a check had been re-issued and would be mailed out within the next 30 days. XXXX, who is apparently the supervisor gave me his personal number and confirm an electronic payment would be made on or about XXXX XXXX. This still has not happened and he is now not accepting my calls. I have left him numerous messages. No one from Ditech has made any attempt to contact me regarding this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Debt collection (Auto) with Byrider Franchising, LLC (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was not able to finance a car through CNAC without a co-signer. I purchased a 2006 XXXX for {$5000.00} above blue book value ( {$12000.00} before taxes and interest ) due to not having a credit history, with a cosigner. I made all payments and on-time, I was never late. I had a life crisis and took the car back and it was a voluntary repossession. They then let my cosigner buy off of the contract, which did not credit towards the debt, and then sold the car at auction for {$120.00}, leaving me to pay {$9000.00} on the car still. I ca n't believe that there is n't a law preventing companies from " screwing '' someone this badly. I was a responsible borrower who kept to the payment plan exactly and when disaster struck, I tried to make things easier for everybody by taking the car back before I moved out of state, just in case I would n't be able to make payment. Not to mention, they told me that if my situation turned to the better before it was sold that I could pick it back up and continue where I left off, and I was able to make my next payment, but they would n't allow my cosigner to pick the car back up for me before they sold it, due to " the person managing the account is on vacation. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX is reporting on all XXXX credit bureaus. This is a repossession showing on my credit reports that is over 7 years old. This vehicle that was repossessed was never in my possession and belongs to another person that is not and has never been of relation to me. I believe the amount of said debt is around {$11000.00}. I recently discovered this on my credit report when applying for a loan through my local bank. I want this deleted/removed from my credit report as of its age and wrongful placement of responsibility.

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 04/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed the XXXX account on my Trans Union Bureau as paid in full. I sent them a copy of the paid letter attached. They did not remove the balance.

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 12-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WI).
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: We received a charge from a rental car company, XXXX, for approx. {$150.00} of damage on the car. When we checked out the car, we showed the attendant all the scratches and marks on the car and even took pictures. Even though the car was covered in marks, the attendant did not add anything to the car check-out form. We asked why not, and the attendant said these marks are normal. When we turned the car in, we were charged for a scratch, even though that was part of our original picture set. We asked the credit card company, Chase to resolve. They delegated this claim to two agents in XXXX, XXXX. When they called to get input on XXXX/XXXX/XXXX, we discovered, they had already closed the claim on XXXX/XXXX/XXXX and did n't want our input, despite submitting many pages of documentation. We further pursued this with the XXXX, Ohio office of Chase, but they provided a mailing address to send a letter and the agent read a script, responding like a robot. Chase failed to help us. They said they would re bill the {$150.00} despite all the documentation showing that the damage was already part of the car when we rented. It seems they are happy to delegate these decisions to overseas agents who have no interest in seeking input from their customers. We are now contemplating cancelling our Chase cards and using social media to spread the negative experience we had. It is shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Debt collection (Credit card) with Nations Recovery Center (CT).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: You do n't really have a category for what my complaint is. I have a payment arrangement with a debt collector and have been paying what I said I could since XX/XX/2016. Since XX/XX/XXXX things in my home/personal life have changed and I have not been able to come up with the full amount and asked for a new arrangement until tax time when I hope to pay off the balance due. I want to continue paying something but they 're not willing to work with me. My account manager with an attitude let me do a lower payment in XX/XX/XXXX and XX/XX/XXXX but told me she wo n't do it again. I find her to have an attitude and I just do n't like her. The guy ( XXXX XXXX? ) who I had originally set up the arrangement with and that is his job from what I understand since his voice mail states that that 's what he does keeps transferring me to her even when I state that I want to talk to him. I 'm stuck and frustrated and not sure if you guys can help me but I thought I would give it a try.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: For some reason, every time I request my FREE annual credit report from EQUIFAX , i ca n't get it [ they always claim that they ca n't verify my identity ]. But I CAN always get it from XXXX, and XXXX without any problem. 
The funny thing though is that if I go directly to the Equifax website, and buy it directly from them, then 'there ' they do verify my identity and give it ( sell it ) to me without any problem. 
I have even logged-in to their website, sign in with my credentials ( to make sure I am clear in their system ). Then I go to the FREE annual credit report site, request my report from them ( equifax ), and still they wo n't give it to me. It happen every year with them. - I CA N'T get it FREE. But if I pay them, I CAN NOT. Please help. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: On XXXX XXXX, 2017 a certified letter ( see attached ) was mailed to Experian about the public record reporting negatively on my credit report. In this letter it describes how maintaining this unconfirmed, unverified, and erroneous public record on my credit report has stopped me from obtaining credit and has caused financial damages as a result. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL FURNISHER, they must remove said information from the consumer credit file. I have called the clerk of Court and also obtained written evidence supporting the fact that Experian despite what it says in it 's response letter did not obtain information about a Bankruptcy from a credible original source. Experian continues to maintain incorrect unverified accounts on my credit report but by far this reporting is the more egregious of them all. Experian is in direct violation of Federal Consumer laws put in place to protect the integrity of the reporting process and consumer 's rights to fair and lawful reporting. Experian sent a response letter dated XXXX XXXX, 2017 stating the public record was " verified and accurate '' which is a complete fabrication. ( See attached ) Experian of course will never be able to provide me copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature because it NEVER CAME FROM THE ORIGINAL SOURCE AS THE FEDERAL LAW REQUIRES. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Experian is required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

So Experian must be calling the County Clerk a liar because the evidence is clear that this information was illegally obtained by nefarious ways to malign my good name and credit and is clearly a violation of ethical proportions.

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 05-02-2017 about Debt collection (Other debt) with Ability Recovery Services, LLC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On    XXXX   XXXX   XXXX     ,  Ability Recovery  reported a delinquent debt on my credit. I had no knowledge of this debt nor any information about where this debt originated, nor the time frame. It only appears through    XXXX   XXXX   .

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Late fee

Complaint: Bank of America attempting to change terms of closed credit card. This is prohibited under CARD Act. I do not consent to an increase in late payment fee detailed in the XXXX 2016 notice.

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 11-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My husband and I owed back taxes in the amount of XXXX we have since than paid it all back. I had a company called XXXX help me to try get the lien off my credit report after it cost me XXXX and it was taking so long for them to help me I decided to reach out to you for help. TransUnion is still showing the lien on it so can you please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: I have had a Bank of America account for approximately 30 yrs they started charging XXXX per month for servicing checking, savings account. At the time I had XXXX accounts with them, I was extremely concerned they were taking XXXX per month for my accounts. I closed XXXX account and the rep told me if I I made a direct deposited XXXX per month into that account I would not receive a fee for that account. I started to make the direct deposit every pay period which is biweekly totaling XXXX per month. I checked my account and it was showing fees of XXXX per month for the account totaling XXXX in fees after I did what they advised me. Calling Bank of America the rep informed me it has to be XXXX deposit totaling XXXX to not receive the XXXX fee. This is stealing my money. This is absolutely usury and I am disgusted with the business practices of BofA. My XXXX Banking account does n't charge me fee.

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 07/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhanced Recovery Company, LLCFind a LocationPhone : ( XXXX ) XXXX XXXX XXXX, XXXX, FL XXXXXXXXXXXX : //www.erccollections.comFax ( XXXX ) XXXX Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Enhanced Recovery Company , LLC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have attempted several times to find out what this collection is on my account. This is not my debt. It was opened in  XXXX  with  a south carolina address. I have been living in north carolina    since   XXXX   and i also checked on the address that is located on this bill and it does n't exist. my rights are being violated according to the fair credit reporting act. I have attached the copy they were suppose to send me verifying this debt. Its clearly not vaild. You can do the research yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: APR or interest rate

Complaint: I applied for a credit card with Wells Fargo and was agreed that my interest would be 10 percent after two yrs. After the two yrs passed i noticed the company charges me 20 to XXXX percent interest. I notified them in requesting to close the credit card account and they refused. Note : I made on time payments on my credit card and have n't had any missed payments. I need assistance in fixing this because its damaging my credit and with me paying on time they still put me in collections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: After carefully reviewing my credit report, the report showed credit inquiries and collection accounts that are not accurate. I did not authorize the inaccurate inquiries found on my credit report and I understand that the bureau are not to put an inquiry on my report unless I have authorized it. There are also some collection accounts listed on my credit report to be an error. I never had an account with those creditors and I do not owe those debts. 

On XX/XX/XXXX I sent dispute letters to the credit bureau via certified mail so that the items could be investigated and reviewed with the creditor to be removed from my credit report if they can not verify the inquiries and collections by the provisions of the Fair Credit Reporting Act. 

As I stated, this was back in XX/XX/XXXX when I sent the dispute letters. It is nowXX/XX/XXXX-- 6 months  later and I have not receive a response back from the credit bureau regarding my dispute. Under the 15 U.S.C Sec. 1681i ( a ), the investigation must be complete within 30 days of receipt of the letter sent to the credit bureau.

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 02-03-2018 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: cra violation error reporting wrong amount owed inaccurate information XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards not mine XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX not mine XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX not mine XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters not mine none below are mine cra violation XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, ND XXXX BYMAILONLY XXXX  XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX XXXX, TN XXXX BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX, CA 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 non-monetary relief