milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2016 about Mortgage (FHA mortgage) with Seterus, Inc. (GA).
Issue: Credit decision / Underwriting

Complaint: Seterus Inc, reported a late payment for XX/XX/2015 to my mortgage account and has refused to correct it on the XXXX credit reporting agencies. Although my monthly payment was {$810.00}, I paid the exact amount as stated due, according to their mortgage statement for XX/XX/2015. Being a fairly new client, seeing there was an adjusted stated amount of {$610.00} for that month, was n't unusual, so I paid that amount, which Seterus recorded as paid on XX/XX/2015. I was appalled when I saw that they reported a thirty date late. I 've requested that they take the procedures to update my credit reporting files, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XX/XX/XXXX I requested copies of my XXXX credit reports thru the annualcreditreport portal. I noticed that my Transunion report had a XXXX XXXX XXXX credit card account listed under " adverse accounts '' because of a late payment XX/XX/XXXX. I knew that I had never had a late payment on that account, so i submitted an online dispute with Transunion notifying them of the error. A few weeks later I recieved notice from Transunion stating that the information had been verified by XXXX XXXX XXXX and would remain as adverse on my credit report. Becaus I knew that i had never had a late payment, I called XXXX XXXX XXXX and spoke to a rep in their credit department. The XXXX XXXX XXXX XXXX confirmed that I had never had a late payment. I asked if they could send me a letter stating that the account was never late, and they did. After I received the letter from XXXX XXXX XXXX, I initiated another dispute with Transunion. This time I mailed the dispute, along with a copy of the letter from XXXX XXXX XXXX that said my account was never late. XX/XX/XXXX, I received a letter from Transunion with the Investigation Results from the latest dispute. They had removed the XXXX XXXX XXXX account from Adverse Accounts, removed the late payment, and listed the account under Satisfactory Accounts. I was satisfied with this and assumed the matter was finished. But recently when I requested a copy of my Transunion report, I noticed that the same XXXX XXXX XXXX adverse / late payment information had been reinserted into my file. I called Transunion dispute today, and they said they had no record of the information ever being removed. I would like for Transunion to remove the negative information from my report agian and to please not reinsert it. Also, if they do reinsert negative information that has been previously disputed / removed, i think Transunion should notify me in writing of the reinsertion. Otherwise my credit history is being damaged without my knowledge. Thanks for your help with this matter!

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 11-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have spent the past 2 months trying to modify my loan with Ocwen and it 's been an excruciating experience to say the very least. After 10 years, it adjusted last year to a XXXX yr adjustable rate and my payment went up significantly, over $ XXXX. This year, it just went up again another $ XXXX. I am self employed and have gone from a XXXX income household to XXXX income. My credit is excellent and I make the payments on time. All I want from them is to fix the rate with a XXXX yr ammortization so I can afford the payments and keep my house. 

Aside from the numerous re-requests for documentation and forms and signatures that they already have, I was recently instructed to retrieve a copy of my divorce decree from the XXXX because apparently my letter of explanation and a copy of the recorded dissolution were just not enough. This was a costly and timely endeavor but I did so. Then I waited for a week for the Assumptions Application which I was instructed to fill out. When I finally received it, I quickly realized it was actually a loan application. I called the number listed on the application and the assumptions XXXX I spoke with confirmed that yes, this is a proper loan application and has absolutely nothing to do with the loan modification process. He said the loan mod dept had no idea what it was doing. If I was qualified to refinance or assume the loan and take my ex 's name off of it I would have already done so years ago. Unfortunately I do n't have the income to qualify which makes me not a candidate for assumptions. 

Since then, Ocwen told me to get a XXXX deed taking my ex off title. I did so and sent it in and now they keep trying to send me back to assumptions. 
My relationship XXXX does n't call when we have scheduled appointments. Every day I get calls and letters and emails from them asking me to do something I 've already done. The left hand has no clue what the right is doing. 
I have spent so much time and money on this process and it feels futile. I have excellent credit and have never missed a payment. All I want from them is a XXXX yr fixed rate. I 'm not asking for anything else. 

Is there anyone on your end who can help me try and navigate through this frustrating process?

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Credit card debt) with Gordon & Wong Law Group, P.C. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX  sold debt to XXXX XXXX who has attorney Gordan & Wong filed judgement on my house I never received the debt information I email attorney to settled for amount on lien they want to double amount I also ask them to sent me copies of debt I owe and my signature they dont have it need help selling my house and they trying to get XXXX and I suppose to owe XXXX please help me

Company response to consumer: Untimely response
Consumer complaint received 02-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I was recently discharged from a Bankrupcy ( XXXX XXXX ). As soon as the discharge was ordered, Select Portfolio Servicing stated sending harrassing letters & calling saying that I had missed a payment during my bankruptcy.I have provided them a copy of the check of the month in question, but they have been unable to resolve the issue. Further, when Select Portfolio alleges that I missed a payment, is the same month when Select purchased my mortgage from XXXX loan servicing. I contacted XXXX on XXXX XXXX, XXXX & was told by an agent, that she was unable to pull up my file since it was so long ago. This has been quite frustrating, as I have not missed a payment on my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX is reporting a debt on my XXXX, XXXX, and XXXX reports which the have not provide sufficient information and documents showing that I legally owe the debt and that the can legally collect the stated debt. I have sent disputes to them but the keep responding by stating debt is valid without providing any proof of what they are verifying to show account belongs to me ( original contracts bearing my signature, account histories, legal right to collect the debt ). The are in severe violation of FCRA laws their refusal to validate debt is mine and continuing to report this damaging, derogatory, and defaming accounts to the credit bureaus without any documented proof that this account is mine or the have the right to collect from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Credit decision / Underwriting

Complaint: XXXX XXXX XXXX, my mother refinanced her house through Bank of America in XXXX, XXXX. She was XXXX years old. They gave her a 30yr mortgage. After she refinanced, she said XXXX if anything happens to me the house will be paid off. Three months later she passed away. I went to Bank of America with her death certificate and will and gave to XXXX XXXX. She assured me it would be forwarded to the Mortgage Dept, and if there was insurance it would be applied. I never heard from Bank of America. I faxed those documents 4 times and hand delivered them to XXXX 3 times. The property was left to me and they acted like I did n't exist and because of privacy they could n't discuss it with me. I hired XXXX XXXX to represent me. Bank of America on 3 different court dates had no paperwork that my mother signed. On the 4th court date, they had no paperwork but my attorney said you have to go bankrupt to keep the house. I went bankrupt, paying XXXX a month, but eventually the payments went up over XXXX a month and I could n't afford it. Bank of America sold mortgage to XXXX ( supposedly ). I was evicted, and Bank of America sold my house to a man for XXXX. They never gave me a chance. My bankruptcy Case Number is XXXX. It was filed XXXX/XXXX/XXXX. This matter has given my XXXX. I do n't think it 's right that they kept the bankruptcy payments, never acted like property was mine or would work with me even though deed was in my name. This was predatory lending. I spent a lot of money on lawyers and bankruptcy and expected at least bankruptcy payment back.

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 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 2nd request* I the consumer declare that in XX/XX/XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were many accounts and hard inquiries I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XX/XX/XXXX to XX/XX/XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.

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 08-11-2015 about Debt collection (Medical) with PMAB,LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have an account that is fraudulent that have been listed with your agency and have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Called  XXXX / XXXX / XXXX  for report #  XXXX  in reference to incorrect inquiries on my credit report. I spoke with  XXXX  and he could not help. I requested a supervisor and they refused to help. Incorrect inquiries listed below :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Student loan (Federal student loan servicing) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I co-signed for a loan taken out by my Daughter who suffers from   XXXX   XXXX  . At a certain point she could no longer work or pay the loan. I am also  XXXX  and suffer from  XXXX . We both recieve our sole income form Social Security. We applied and subesuently recieved releif under hardship but the lender continues to report " missed payments '' on both of our credit reports with all three credit reporting agencies. The lender ( formerly  XXXX   XXXX  )  XXXX , had been informed of our desire to seek relief under hardship. We deny the late payments. I am also siting this corporation of re- aging the loans to keep reporting the late payments and continue multiple reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I canceled XXXX account and sent back the equipment within 30 days because the service did not work in my area. I was under the impression I would not be charged if i was not satisfied with service. And I had the option to send equipment back, which I did

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Credit card () with CITIBANK, N.A. (CT).
Issue: Other

Complaint: I filed my first ever claim with your Agency yesterday ( XXXX). Same background    I E-- I lost my job on XX/XX/XXXX. I was paying all of my credit cards on time. With no job--We lost our condominium + the XXXX entered us ( Me + my XXXX wife) into their Program. They paid our monthly XXXX premium and got us enrolled into the low cost prescription program. However, they advised that if I earned more than $ 50.00 / month--we would lose these benefits. I began early XXXX  monthly benefit check(s) in XX/XX/XXXX at age XXXX
In 2010 Citibank took me to XXXX Court for non payment. Per my "Answer" that I submitted to the Court---my only source of income is my XXXX and that can not be garnished ( I was not trying to "hide" behind this).  The Judge agreed and their motion for payment  was denied on XX/XX/XXXX.

So,you naturally think that this case is now closed.

In XX/XX/XXXX,  I got information from the XXXX Court that this case had been re opened by Citibank !  I  discussed ( at length ) the case with their Lawyer. We settled on a Stipulation for Judgment wherein I agreed I owed the money and Citibank stated , " Demand and presentment for payment are hereby expressly waived". On XX/XX/XXXX and again on XX/XX/XXXX the Judge Granted/agreed with this Stipulation.
 So now ( again) you think that this case is finally closed ??

  A week ago, Citibank's new Law firm mailed me an Appearance Form for the XXXX Court. Per the XXXX Court Clerk--I should call this Law firm and I did. I asked to speak with  XXXX ( person  who signed the Form). I assumed that I was talking with XXXX-- as that is who I asked to speak with.
Regarding me getting this form and XXXX other questions I proposed , he stated to each and every question :
" I can not confirm or deny anything".
Then, in true Legal form, he stated, " If you win the Lottery,you are duly bound to pay in full Citibank"!!!

My opinion is that Citibank is guilty of repeatedly harassing me. 

If a case is deemed to be closed ( XXXX) by a XXXX Court Judge --why can't they accept that Judgement and then "move on"??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Bank account or service (Savings account) with FIRST NATIONAL BANK OF OMAHA (KS).
Issue: Account opening, closing, or management

Complaint: My husband died XXXX XXXX, 2015. We had a savings account that we deposited our monthly accruals into because it paid a higher interest rate. After XXXX died I took a certified copy of his death certificate and the account was promptly put in my name since I was his POD. On XXXX XXXX, 2015 I successfully transferred {$50000.00} into my checking account to pay for his funeral expenses and XXXX quarterly taxes. I have also received XXXX statements showing myself as owner of the account. On XXXX XXXX, 2015 I tried to transfer {$5000.00} out of that account to pay bills. I no longer receive my husbands military pay or social security. I was denied access so I called customer service. I was told that the problem was " due to my internet browser ''. I called my local branch representative and was told that they " could n't find the signature card and needed to determine ownership ''. Shortly after XXXX fell XXXX XXXX I visited the bank in person as we were each others power of attorney and verified all accounts and that I was in fact his POD. My husband had set up a trust for me naming First National Bank as trustees. My attorney and I fired them for several reasons. I feel like they are punishing me for relieving them of their trustee duties.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: 5th 3rd bank and affiliates continue to harass me.also a court in XXXX XXXX has denied them any further action against myself.they wo n't remove this from XXXX bureaus or credit reporting.they soon if do n't immediately comply within 30 days will be sued.I have had it.I have proof this has been denied by a judge

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Update : Case No. XXXX A letter I overlooked. On XXXX XXXX, XXXX, I received a letter from Senior Vice President XXXX XXXX XXXX of America 's Servicing Company. Enclosed was a XXXX page document at the very end of about XXXX pages. It is called Net Present Value ( NPV ) input Data Values. When you look at lines XXXX to line XXXX, XXXX XXXX does not even acknowledge that I had a HAMP Modification. Of course we all know that 's not true. In a communication from XXXX XXXX dated XXXX XXXX, XXXX, she and Attorney XXXX XXXX, plotted a scam to relieve me of my incentives. I was accused of missing three ( 3 ) payments. And sick and medicated as I was, I believed it. And of course the attorney watching my back would never lie and/ or cut my throat. XXXX XXXX did the closing on my house. The Deed to my house is missing. On line XXXX, Capitalized UPB Amount. That is the exact Principal Balance around XXXX XXXX. It is the exact time that my XXXX XXXX Mortgage payment was mysteriously cancelled from my personal checking account at XXXX XXXX. On my XXXX XXXX, XXXX ASC Mortgage it was the exact time that a negative $ XXXX disappeared, never to be seen again. On my ASC Mortgage Statements from XX/XX/XXXX-XX/XX/XXXX npayments reversal and unapplied mortgage payments are the norm. I have never missed payments on my mortgage until now, and that 's because I do n't even know where I stand as far as this house is concerned. America 's Servicing destroyed my credit. Took the laughter out of my life. Forced me to isolate myself from shame. I was bullied and harassed by the entire ASC Mortgage Preservation team for over 3 years. Maybe it can stop now. I have more to tell. I need sleep right now.

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 03-07-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage Servicing Fraud False fraudulent statements by XXXX XXXX and XXXX XXXX Not sure why Suntrust would employ XXXX fraudsters in the banking business to deal with issues of this nature - XXXX employees that constantly provide written falsified evidence even in contradiction with the Suntrust statements - maybe they believe that the borrower has No original receipt or statements? Well No such LUCK! 

Suntrust employees providing falsified written evidence about the time line when payments were received -letters do not correspond the statements or payment receipt. 
This will only address the late fees charged by SunTrust for the XX/XX/XXXX, XXXX & XX/XX/XXXX payments@XXXX which were made on time and also reported delinquent to the CRA 's. 
The borrower was charged late fees for these on time payments ( see attached letter ) Suntrust XXXX XXXX after her investigation states that : - XX/XX/XXXX payment was received XX/XX/XXXX ( see letter ) when infact it was XX/XX/XXXX according to statement & payment receipt. 
- XX/XX/XXXX payment was received XXXX ( see letter ) XXXX when in fact it was XX/XX/XXXX according to statement & payment receipt. 
-XX/XX/XXXX payment was made XX/XX/XXXX ( see letter ) XXXX when in fact it was XX/XX/XXXX according to statement & payment receipt. 
By concealing the time line of these made payments Suntrust will try to conceal & justify {$280.00} charged for late fees. 
The late fees charged for XX/XX/XXXX through XX/XX/XXXX for all on time payments will also be addressed a total of {$920.00} ( including the above {$280.00} ). 
It took years to gather evidence against these XXXX individuals ( some of the responses are letters addressed to my CPA )

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 06/27/2016 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a school loan through AES .. My college I attended XXXX XXXX in New York is where my loan originated .. Since the inception of my loan, the loan company has had the wrong date of birth on my loan including the promissary note from the loan. Still they have been paid by me, and have been speaking to me without knowing my identity for sure. My loan has been in a different date of birth yet they continue to seek info from me, and now that my loan is in status of going to collections from being unpaid, for medical reasons I could not pay, they refuse to even comment or speak to me about my loan, after I sent them my license 2 times to confirm my identity .. So now I can not secure a payment plan

Company response to consumer: Closed with explanation