milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have XXXX hard inquiries that do not belong to me i have tried to contact the companies and transunion several times but everybody keep giving me the run around XXXX XXXX XXXX XXXX XXXX XXXX XXXX trans union

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 04/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage modification was denied by our servicer Bank of America ( BOA ). We checked with XXXX XXXX XXXX XXXX through XXXX and they confirmed that we are clearly qualified under the HAMP but BOA still denied us. In their denial letter BOA did not even consider the PRA that we requested. In the same letter BOA states that we are approved for Short Sale and they will release their mortgage lien on our property even though they will accept proceeds that are less than the amount we owe. They say that they are willing to accept a lower amount in a short sale but not reduce our principal in order for us to be able to afford and continue to stay in our home. 
Our mortgage is not owned or guaranteed by Fannie Mae or XXXX XXXX. 
We owe more than our home is worth. ( We owe {$480000.00}, the property is worth {$260000.00} ) We occupy the house as our primary residence. 
We obtained our mortgage on or before XXXX XXXX, XXXX. ( Origination date XXXX/XXXX/XXXX ) Our mortgage payment is more than 31 percent of our gross ( pre-tax ) monthly income. ( Current mortgage payment {$1600.00}, our monthly gross income is {$3500.00} ) We owe up to {$720000.00} on our XXXX mortgage. ( We currently owe {$480000.00} ) We have a financial hardship and are delinquent in mortgage payments. 
We provided sufficient, documented income to support the modified payment. 
We have not been convicted within the last 10 years of felony larceny, theft, fraud or forgery, money laundering or tax evasion, in connection with a mortgage or real estate transaction. 
We even reduced the homeowners and windstorm insurance on our property in order to reduce our escrow but BOA still is refusing the modification. 
Our loan was originated by Countrywide Home Loans and then in XXXX it was assigned to XXXX as XXXX for XXXX XXXX CWALT Inc ( certificate Series XXXX ). CWALT is Countrywide Alternative Loan Trust. So no one knows who the real investor/owner of our loan is and BOA is our loan servicer who is refusing to modify our mortgage which may force us to loose our home. Up to date we paid to BOA over {$250000.00} for our {$460000.00} mortgage loan and according to their statements we still owe them {$480000.00}. We also understood that BOA is fully capable of internally modifying mortgages up to 25 percent of net monthly income as well as offering substantial principal reduction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (CO).
Issue: Trouble during payment process

Complaint: We mail th e Seterus mortgage  payment between/on the   XXXX   on the month since the due date is the  XXXX . It is mailed in the  Seterus com panies ' envelope along with the payment stub provided b y Seterus. If th e payment is received before the first of the month, the  Seterus  always applies it to the principle amount of the loan and not the current payment that is on the payment stub tha t Seterus provides to us. This happens on a repeated basis with this mortgage company. Seterus tells me I have to pay it online if I do n't want this to keep happening. I   do n't want to pay online nor should I have to be forced to pay online.    Seterus called today to say that I have n't paid for this month, which I have ... .Seterus posted the pay ment on   XXXX   XXXX  . When I explained tha t Seterus nee d to reverse the payment, they said no and said that I still owed for the   XXXX   payment and hung up on me. So my wife called back and she was told that the interest on this loan is accrued quarterly which is NOT TRUE and she knows this is not true. I pay interest every month and it is stated on the statement. I have the right to pay this on time and Seterus should make changes in their system or explained to the human being that opens the envelope and sees the payment stub to apply it to the payment that is posted on the stub it is mailed in on that they receive from us. This keeps recurring, why  wo n't Seterus appl y the correct payment on time?

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (Medical debt) with CCS Financial Services, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have been attempting to dispute an illegal collection account on my credit report for many months now. I have submitted two different complaints through the financial protection bureau about XXXX  XXXX. It has been IMPOSSIBLE getting any information about this incorrect account on my records, I do not owe any medical debt I am a XXXX recipient in state of California and I pay XXXX dollars every where I go and it has been this way for 7 years. In XXXX I got a notification from my credit monitoring that a XXXX XXXX  ( mysterious company ) has placed a negative collection against me for a mysterious debt which I DO NOT OWE! they ruined my credit and I lost over 160 points from them reporting me as a delinquent person to the credit bureaus. I disputed this and the CFPB required more information about them and for the LIFE of my I can not find who theses people are and where they came from and where there illegal debt originated from. 

I HAVE NEVER received a single letter, phone call, email or any correspondence AT ALL about any debt I owe and this company has illegally and prematurely reported me right away as a " in collection '' and I have no knowledge of this debt nor have I ever been to a XXXX or had labs done outside of my doctors office where my XXXX is on file. 

These people are vultures and snakes and they have ruined my life without warning me, notifying me or discussing anything or any invoices with me. How dare they??? I hope that they are found guilty of violating FDCPA laws and are SHUTT DOWN for illegal practices. SHAME on them!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Mortgage (VA mortgage) with CITIBANK, N.A. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX, Texas XXXX. I have been in a pre-loan modification status with XXXX Mortgage for approximately two years with No resolution. My account number is # XXXX. I have been transferred to XXXX different representatives over this time period. My home has been in pre-foreclosure status twice. I have not been able to make payments on the account because of the modification process. Citi-Mortgage representatives have constantly requested and have received documents from me but has not made a decision on whether the modification has been approved or disapproved. On several different occasions I was informed that my file was with the underwriter only to XXXX that the underwriter did not have my file in review at anytime. I am sending this complaint requesting assistance with this situation. My home is my primary residence and I do desire to keep it. Thank you in advance for your assistance in 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 explanation
Consumer complaint received 08/17/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: I 'm former account holder with Chase, I say former because over the past 3 years all my accounts at Chase ( checking / savings / credit card ) have been jacked four times - very interesting that only my accounts with Chase have been affected, none of my other accounts with other financial institution have been ever affected. 
Anyhow, On XXXX XXXX my Chase Freedom Account was part of a fraudulent scheme yet again ( over XXXX funds transfer / point redemption, etc. ). I went to the nearest branch, reported the activity - I asked to closed the account permanently, they informed me that they could only change cards that I would have to call customer service to close the account permanently. I did call customer service I requested to close the account permanently, I paid the balance on the account AND asked the representative that what would happen with the points that were pending to be redeemed once the account was closed, I was informed that I would be receiving a check for the cash amount once the balance on the account was paid. 
I just called today XXXX XXXX to make sure the payment was received ; in fact, it was received, I asked again for the pending points to be redeemed I am told this time that since the account was closed permanently I lose those points. I find it ridiculous that their AMAZING customer service reps are not presenting the facts clears to clients. I went to the office branch again and I 'm told they can help because I 'm not a client anymore. 
I 've sent several emails to customer service and no one has contacted me back. expect my points to be converted to cash and be paid out as the first customer service rep told me over the phone on XXXX XXXX. After dealing with several fraud episodes at Chase over the past 4 years this is an unacceptable behavior and disastrous customers service.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Unexpected or other fees

Complaint: On XXXX XXXX 2017 my account was limited and money block from being withdrawn. I have sent all items I sold and have tracking to confirm the items have been delivered. After I completed all transaction PayPal is now asking me to provide my SSN and other personal information, which I did not agree to give. I have fulfilled all obligations to my customers so there is no reason for PayPal to be holding my money for 2 months. I want my {$140.00} released, I would never think a XXXX dollar company would bully its sellers around like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo is my servicing bank. I noticed them that our loan will be resetting in XXXX and needed help. 
After sending all the info they requested they denied us a modification. We were not asking for a modification per say. In our hardship letter we ask for help with a refinance so we could continue to live in our home until property values improve in our neighborhood. 
Their are XXXX foreclosure in our neighbor and nothing is selling. 
Our home is considered a luxury home and this size home are not selling as this time. 
Wells has help us in the past, since we purchase the home in 2007. We have honor our agreement and have not been late, all taxes and insurance are current. We have not deed but Wells Fargo said we have asset we can sell, true but that is our retirement. That like telling us to take money out of our XXXX. 
The could if they chose too give us a refinance but they are making a lot of money off our loan. In XXXX our loan will increase XXXX XXXX dollars. Payment will go to over {$8000.00}. The only option they give me is a short sale. We put {$700000.00} down on this house and would like to sale when we can get some of our investment back. 
I have ask the bureau for help in the past but receive very little help. 
My desired resolution is for Wells Fargo to simple refinance our home for a XXXX arm at 3 % interest. This would give us time to sell and pay down our loan. 
Thank you for your time. 
XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I requested Equifax provide me verification of negative on my credit. Fair Credit Reporting Act requires them follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requested them verify the item I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. They sent me the typical verification with the creditor information, but failed to give verifiable proof that this was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: spoke with Premiere collection agency -spoke with XXXX XXXX -a representative who claimed that was her name. She was very rude and also hung up on me. This is not proper servicing of student loans and a consumer should never be hung up on. This representative should go back to training and learn how to properly service student loan consumers per the dept. of education Statement of Work. They have sent documentation to my representative and now state that they can not speak with them. This is holding up my process for resolution and causing more financial hardship. This agency does not deserve to be working student loans.

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 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt keeps appearing on my report after numerous attempts for proof of account, balance. I received a letter back in XXXX 2016 that it would be removed from my account and it was for few weeks then I assume bought from another debt buyer and its back on my account with another debt company. I do not have any idea of a debt owed to XXXX XXXX nor have a received a detailed bill of this debt and what the charges are for as I am required this information by law. I have sent multiple requests for months now for removal of this account with all XXXX credit bureaus and still no response from new debt collector. The first collector was XXXX XXXX and now the second collector is AFNI and I want this removed from my account due to over 30 days requested information never received, sent certified numerous times and no detailed bill received. Please help me in this situation and I am forwarding information I have pertaining to this ongoing battle with a debt I know nothing about nor have I been sent information, 30 day request for detailed information per law passed. This is unlaw practices of the fair credit law under consumer law. These debt collectors keep buying and selling this account with no required information of detailed bill as requested on numerous times, well past 30 days required by law and the credit bureau continues to allow this to happen as I have sent all XXXX of them I want documentation of this debt and 30 day period and all they send back is " it remains '', no investigation, no contacts, nothing and certainly not following consumer credit laws. 
Please see attached information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX/2015 XXXX XXXX XXXX  appeared on my credit report with a balance of {$870.00} I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My ex-husband and I filed for chapter  XXXX  bankruptcy in  XXXX   2013 .  XXXX   XXXX  credit cards were apart of the bankruptcy. However,  XXXX   XXXX  is still reported as a negative account and an open account on  XXXX  of the  XXXX  credit  reports.-    XXXX    and  XXXX  Additionally  ; my  report shows payments as being late even though the accounts were included in the bankruptcy. I filed dispute with all of the credit agencies regarding the fact I do not have an open  XXXX   XXXX  card and about the negative  XXXX   XXXX  card still showing up on my report with late payments being reported. The only success I had was the removal of the open  XXXX   XXXX  account with  XXXX  agency which was Experian. However, Experian still reports  XXXX   XXXX  as a negative account citing they verified the account which means I can no longer dispute it. The other  XXXX  agencies,   XXXX   and  XXXX , still report an open  XXXX   XXXX  account. I have called  XXXX   XXXX  and they say I do not have any accounts with them! I am at my wits end!

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 02-03-2016 about Credit card () with DISCOVER BANK (OH).
Issue: Forbearance / Workout plans

Complaint: I became past due on my Discover Credit Card last year. In an effort to remedy the situation I agreed to allow Discover to automatically debit my checking account in the amount of {$140.00} for 6 months. In exchange for allowing this to take place, Discover agreed to credit the monthly interest and late fees for the 6 month period, place a one time credit on my account of {$700.00} at the end of the 6 month period, and to " re-age '' my account with the credit bureau so that the previously reported delinquent payment would be removed. This arrangement started on XXXX XXXX, 2015. After making the 6 on-time payments, Discover has informed me that they do n't have notes showing me the {$700.00} payment promise. However, they do have notes on my account that reflect the promise to re-age my account, but they refuse to do so with the XXXX major credit bureaus. After requesting that the recorded call from XXXX 2015 be located, I was informed that they were unable to do that. However, they would likely be able to get the call if required by the legal process. 

I 'm writing this complaint because it 's really disappointing that a financial company promises to do something, the consumer attempts to correct a wrong, and then the financial company does n't uphold their end of the bargain. I feel as if Discover took advantage of my willingness to pay and made promises they never intended to keep.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I was called by Harris and Harris regarding a medical bill. I was given specific medical information and was threatened by the associate that they had all of my personal information including my social, date of birth, employer information, insurance information and address. I asked them to cease communication and contact me via written correspondence only. The agent tried to intimidate me over the phone. I have been sick over the last year and have several bills that have been paid, but this bill I have no invoice for. I have a very common name so I always want to verify, but this agent started by disclosing what the bill was for without verifying who i was or if she was speaking to the correct individual. I was floored when I asked to cease communication and she mumbled something under her breath and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I applied to the Public Service Loan Forgiveness ( PSLFP ) program because I work in a XXXX which is considered a nonprofit. I started working at the XXXX in XX/XX/2013 and soon after I began to make payments on my loan. The paperwork for the PSLFP took months to be processed. I inquired several times with XXXX and their service representative told me that the months would be retroactively applied towards the ten years. After several months they sent a letter stating that I was not on the correct payment plan so payments would not be applied to my ten years. The process took so long that I lost several months of payments that could have been applied. I have worked for a XXXX  for 4 years now and have made monthly payments towards my loan for those years, but the company is not recognizing those payments. I think it is unfair for my payments not to be considered when the company gave me incorrect information and months to respond to application requests. The program was meant to help public servants not prolong their payments.

Company response to consumer: Closed with explanation