milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2017 about Mortgage (FHA mortgage) with Servis One, Inc. (CA).
Issue: Struggling to pay mortgage

Complaint: After 5 years of trying to obtain a modification from my lender, BSI Financial Services, I was granted one in XX/XX/XXXX. My 1st payment was due on XX/XX/XXXX with a 10 day grace period. I sent my payment in the form of money orders, certified mail, on XX/XX/XXXX. On XX/XX/XXXX, I called my loss mitigation specialist, XXXX XXXX to confirm the receipt of payment. She did not answer, so I left a message and sent an email. I called again on XX/XX/XXXX and XXXX XXXX answered. I asked if my payment had been received. She said no. I told her that I sent the payment certified mail and the post office told me that the payment had reached its destination. I also told her that I called XXXX XXXX to see if the money orders had been cashed. They hadnt. I informed her that I had taken pictures of the money orders after I filled them out, before I mailed them. She asked me to email her the picture. I did. She confirmed receipt of the email. I called and emailed almost everyday for the remainder of that month asking if the payment had been received. On XX/XX/XXXX, I called BSI to make my second payment over the phone using my debit card. My call was answered by XXXX ext : XXXX in XXXX PA. He told me that he could not accept my payment because there was a code on my account that needed to be removed by my loss mitigation specialists. I asked to be transferred to my specialist, but XXXX XXXX was not available. I left her a message letting her know that I was having issues with their system and to please advise me as to what I should do. Over the next week I called 5 times, but was unable to reach XXXX XXXX. Finally, on XX/XX/XXXX I was able to reach XXXX XXXX and she told me that BSI would not accept my second payment because my first payment had not yet been received which meant it was late and I had defaulted on my agreement. She said the agreement was now null and void and BSI would reinstate foreclosure proceedings. I told her that my payment not being received was not my fault and that I had sent it certified mail. She said they hadnt received it yet, and the matter was out of her hands. Later that month, when I received my next billing statement it reflected that my payment had been received and applied to my balance. I have been trying since XX/XX/XXXX to obtain another modification, but BSI has been completely uncooperative. BSI has been trying ever since to foreclose on my home, to the point that I have had to file for bankruptcy protection. I am currently in Bankruptcy. I am not asking for special treatment, I simply want the modification I was promised and worked so hard to obtain so that I may keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX had provided incorrect information to all of the credit reporting agencies XX/XX/XXXX concerning my mortgage. They finally corrected the information. XXXX stated in a response to complaint # XXXX filed with the CFPB that the XXXX major credit reporting agencies were notified, which included TransUnion. By the time XXXX got the information corrected, TransUnion had deleted the entire account. Per a response from TransUnion to complaint # XXXX, XXXX has not verified the corrected information, therefore they will not show XXXX as a creditor. The XX/XX/XXXX credit report that I received from TransUnion does not reflect my mortgage information. I have tried to get the corrected information on my mortgage added by TransUnion. They stated that this information need verification from creditor. XXXX states that they have sent correct information. I have to contact the credit reporting agency. Nothing is been done by XXXX or TransUnion therefore I the consumer suffer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Company ran my credit report with out authorization on XXXX XXXX and XXXX XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF OMAHA (SD).
Issue: Problems caused by my funds being low

Complaint: I have had issues in the past with overdrafts to my business checking accounts. My bank 's online banking does not allow transfers after XXXX to go through until the next business day ( two days later ), even if I have funds directly in the bank. I work out in the field and am unable to check my online banking until the evening. The branch president and my loan officer agreed, if I e-mail them in the evening, they will make the transfer for me and I would not get the overdraft charge. On XXXX XXXX, 2016, an e-mail was sent to my banker, requesting to transfer {$500.00} from XXXX of my business accounts to the other, to cover pending deposits, to avoid an overdraft per our discussion. I checked the account on XXXX XXXX, 2016, and an overdraft of {$38.00} went to my account with no transfer made per my e-mail request. The bank is not honoring their commitment and agreement we came to.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2016 I have been working with JP Morgan Chase on a my loan modification ( Loan No. XXXX ). They have not credited all my payments to my loan, they forced me under threat of foreclosure to sign a subordinate XXXX loan, then told me by phone that I did n't need it. When they verified that I did n't need it by reevaluating me for my loan modification they did n't have me sign new loan modification docs to correct the error they admitted to they just sent me a copy of the originally signed loan mod docs without a copy of the XXXX Subordinate Loan docs I signed and they did n't send me a cancellation of it in writing. They told me verbally but did n't give me anything in writing. I have called four times and not one person is calling me back. 

Please report this to the correct agency for assistance. ( FTC, TILA ) Please contact Chase to help me with resolving these errors. 

Thank you, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There was a hard inquiry on my transunion credit report that I did not authorize. It is from in XXXX XXXX, FL.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 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: Information belongs to someone else

Complaint: IN XX/XX/2015 I WAS THE VICTIM OF A ARMED ROBBERY AND MY IDENTITY WAS STOLEN AT THAT TIME. I HAVE MY ORIGINAL POLICE REPORT OF THE INCIDENT AND NOW YEARS LATER I HAVE DISCOVERED FRAUD ACCOUNTS ON MY CREDIT REPORTS. I NEED THIS INFORMATION BLOCKED SWIFTLY. THE CREDIT BUREAUS HAVE EXTENDED MY SUFFERING LONG ENOUGH. 

THANKS FOR YOUR HELP AND ATTENTION.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: USAA Federal Savings Bank, and USAA XXXX XXXX XXXX have frozen my investment account, Roth IRA, checking account, and savings account. There is no legal judgment against me, and USAA has not explained their actions. 

I receive my XXXX XXXX check electronically deposited into my savings account, which they have frozen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Byrider Franchising, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Hello, I have been working hard to correct some inaccuracies on my credit report, and after contacting the credit bureaus in the past and recently in the last few months Experian continues to ignore me. I have received No response after 30 days and balance is not even on the creditor 's system because it was discharged, XXXX was sent, and I paid taxes. Experian is misreporting it because they want to charge the credit or money for premiums every month. What another explanation is there because they ignore me completely. This is very scary! If this is happening to me. Who else is being affected? I have kids and am trying to just get into a home this year before rates go up, and I 'm getting this treatment. I paid my dues on the items in the letters attached. For XXXX of the accounts I received XXXX 's and did the right thing to pay taxes on the entire balance, and the creditor stated my obligation is done with them. Yes, Experian zeroed the account and the re-reported the balance and dropped the score. Please help!! I know I 'm just one person, but I do n't want just to give up. Thank you, 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
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Opened a secured account to build credit now my score is the middle XXXX and the account has been over a year close to 2 years and Discover refused to return the {$250.00} dollars deposited. 
Month after month saying I do n't qualify for promotion to the next level. However, I have received two major credit cards in which 1 is {$4000.00} limit and the other {$1500.00}. Furthermore, I have never been late and Discover is trying to say because of their system glitch that a payment defaulted back to my husband 's account which he closed. Discover received a NSF on a payment. However, I called 24 hours later and talk to rep at Discover which she verified my statement an no fee or late payment was reflected. 
What will it take for Discover to do the right things for the consumers or will we see years later a class action and government fines like XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was with XXXX. I sent so many documents to XXXX. 
For years I sent documents. I had a loan modification with XXXX. My loan was transferred I tried at tell them that I had a plan with XXXX. SLS said they could n't find anything. I had to start over. I have sent many documents to them. SLS even sent me a Summons and Complaint. 
When I learned that my loan was transferred I was confused because XXXX had just approved me for a loan modification. With SLS I had to start over and still sending documents. I do not want to lose my home. 
I paid an attorney to help me over {$5500.00}. ( considered a scam ) he took my money.

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 05-10-2016 about Debt collection (Medical) with Medical Business Bureau (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Medical Business Bureau ( MBB '' ), alleges that I owe {$360.00} for medical services rendered on XX/XX/XXXX. I processed a dispute with the XXXX credit bureau 's ( also submitted proof of having charity care through the state of NJ ) I contacted the doctors office and left several messages but no response was rendered. I have requested a verification of debt from MBB via certified mail delivered on XXXX and XX/XX/XXXX, but they have not produced one. I expressed all my concerns to MBB representatives, but they do not have answers. MBB is, however, reporting negative information on my credit reports, which affects my credit score and future planning. MBB is also not following the requirements of the FDCPA. I never received notice of the debt as required by 15 USC 1692g.. MBB has failed to produce anything in response. I am requesting that MBB cease all collection efforts and remove any negative information from my credit reports. I would like confirmation that this information has been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: I have a Home Depot Credit Card ( issued by Citibank ) and I had used it to purchase items on promotion ( 6 months no interest ) on XX/XX/2016. I was promised that no interest would be charged if I pay in full by due date XXXX XX/XX/2106 ). I have paid the transaction amounts for each month in full since then. For the month of XXXX the total transaction I had was {$11.00} which I paid prior to the due date. However, Ciitibank is charging me a {$25.00} fee since I did not pay the minimum payment of {$25.00}. I do not agree to the minimum amount that Citibank is asking to pay as it would mean that the 6 months no payment no interest is not what was promised to me.

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 05/13/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/2015 close to 8 months ago I began a mortgage Modification with Select Portfolio Servicing my current mortgage servicer. Early last my XXXX had a major set back when I lost my XXXX. Since beginning the process I have seen first-hand incompetence and miscommunication. As of this date my home has been appraised 3 times with each value thousands of dollars different from the one before, I have had values of $ XXXX, XXXX, and XXXX. Right now I owe {$470000.00} on the house. Since this night mare began I have submitted dozens of paystubs, and bank statements as well as any other documents that have been requested. I have spent hours on the phone talking with one representative after another and very seldom receiving the same information. At first I chalked this up to an over worked staff but as month after month has passed I came to the conclusion that no one business could be run so poorly, this had to be done purposely in order to tack on more fees to the back of the loan. In order to avoid any further issues at least with a pending foreclosure I began to pay 3 months ago on what was described as a streamlined modification which according to one rep was given to me by the Federal Government with out income verification but this would not affect the modification that I have in process. Even this was a point of contention in that I was originally told that if I began to pay I would be accepting this agreement which is saving me less than {$100.00}. and that the modification that I have been working on for the last 8 months we be voided. I am thankful that every conversation that I have had has been recorded I encourage the investigator to listen to these tapes and hear for themselves the misinformation that is given. I have been bombarded by dozens of letters which I receive daily asking for information then acknowledging that it was received and then asking for the same document again. I know that as part of this complaint that you will ask for documentation. I have well over XXXX XXXX pages that I will not burden you with. I am sending over the XXXX appraisals as well as a document request letter and a staement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: THIS ACCOUNT IS NOT PAST DUE. INVESTIGATION ARE NOT GETTING PROPERLY DONE I HAVE ATTACHED A LETTER FROM TRANUNION CLAIMING THEY VERIFIED ON WHICH IS INCORRECT. IT IS ALSO REPORTING LATE WHICH IT WAS NEVER LATE. I HAVE ALSO ATTACHED A SCREEN SHOT OF MY ACCOUNT AND ALSO A STATMENT OF THE CELTIC ACCOUNT I HAVE SUBMITTED MORE THAN 4 COMPLIANTS IT IS RIDICOULOUS THAT AFTER ALL THIS TIME IT IS STILL REPORTING INCORRECTLY.

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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I recently found a copy of my credit report from  XXXX . This is the year I filed the medical malpractice law sue. My date of birth have been changed to  XX/XX/XXXX . My employers shows  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   That year my address was   XXXX   XXXX   XXXX    XXXX  TN  XXXX . Reported XX/XX/XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN  XXXX , reported  XX/XX/XXXX .   XXXX   XXXX    XXXX  TN  XXXX . Reported  XX/XX/XXXX . I was discharged from wage earner  XX/XX/XXXX Case number  XXXX . I filed bankruptcy in  XXXX  case number  XXXX . There was a judgement in  XXXX , that number was  XXXX . I am formerly known as   XXXX   XXXX   XXXX  , aka   XXXX   XXXX   XXXX  , aka   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (KY).
Issue: Settlement process and costs

Complaint: authenticity of documents, proof of chain of assignment, Rushmore Loan Management Services LLC SAID THEY OWN OUR LOAN NOW THEY SEND US SAME OLD DOC AND MAKING NEW ONES CFPD DO YOUR JOB XXXX XXXX C RESPA ( XXXX XXXX XXXX OLD XXXX Case number XXXX CFPB review Response disputed XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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    XXXX   I faxed my police report identity theft report to Transunion because I am a victim of identity theft someone stole my personal information and opened up accounts in my name. I was told by the supervisor by the name of  XXXX  that once they receive my police report they would remove the fraudulent accounts as well as those inquires off of my credit report. Now the supervisor is telling me that they can only dispute the accounts and they are still on my credit report. I am being treated like I am the bad person and the reps were so rude like they do n't even care. Something needs to be done about Transunion tactics because I have been experiencing problems with them since this has happened to me.

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 11-02-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (KY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: In XXXX of this year, 2017, there was a mix up with my bank account at Chase. I found this out because I was involved in a car accident and had the settlement direct deposited into what I thought was my account, which it was not. Long story short, after involving the BBB, the KY Attorney General 's office, and Chase representatives, the problem was settled but not before Chase closed my account. I have found out since then, through Chase, that the account number ( that was on my computer ), was actually my now ex-roommate 's account. Now, at the point in time I was settling my car accident claim, I also went to XXXX XXXX XXXX XXXX to have my taxes done, and requested Direct Deposit. Again, the funds were deposited into the wrong account. Which brings us to today. Even though Chase was, and has been involved in this issue since the mistake was discovered in XXXX, they are, once again, refusing to release the erroneous funds back to the issuing agencies ( IRS, and KY Department of Revenue ). I have already contacted the IRS earlier this year as how to proceed. I was told to wait at least 6 weeks to make sure that I did n't get my refund late, then request the IRS to run a trace on the funds, which they did. The funds were deposited into the same wrong account as before, again a mistake. Then the IRS said they would send a request to Chase telling them to remand the funds back to the IRS. This process can take up to 10 weeks. I have done this to which Chase still refuses to release the funds, and sent me a letter stating that the matter is closed.

Company response to consumer: Closed with explanation