milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, my name is XXXX XXXX. I have a situation that I can not do by myself anymore and I need help. I have been trying to receive a loan modification for a very long time now from XXXX XXXX XXXX and they have denied me multiple times. And recently XXXX XXXX XXXX transferred my loan to Seterus. I told Seterus I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of XXXX payments. I told them I can not afford that and I asked them to apply me for a loan modification. Seterus sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the Seterus loan modification and the representative told me to apply for the Keep Your Home California program. So I did. But the Keep Your Home California program has denied me because I 'm not eligible for this program. 
At this point I applied for the Making Home Affordable Program and faxed over a full packet to Seterus. After some time I get a letter in the mail that I do not qualify for this program either. 

I recently faxed over the Making Home Affordable full packet to Seterus again in hopes for an appeal for a loan modification. How can I not be approved for " ANY '' modification? Even the government XXXX. I feel I and my family are in a very tight spot with Seterus and we do not know what else to do. I can make monthly payments for this loan of around {$1100.00} for the loan, insurance and taxes. That is an amount I can afford. Please help me to get a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: filed chapter XXXX discharged in XX/XX/XXXX/2016 companies keep saying it willl take off but dont case # XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I mailed a letter to SYNCB/ XXXX  on  XXXX   XXXX ,  XXXX  about an unauthorized inquiry on my  XXXX  credit report from their company. I suspect this is fraud. I asked them to remove the inquiry in addition to forward any documents that showed an application of credit from them.     The company sent a letter back, dated  XXXX   XXXX ,  XXXX , saying the inquiry was as a result of an application from  XXXX   XXXX ,  XXXX , which I did not do. They failed to send any documents to support their claim.     I requested the inquiry to be removed from my credit report and they failed to do so.

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 07/19/2017 about Vehicle loan or lease (Lease) with FORD MOTOR CREDIT CO. (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My payment is due on the XXXX and I made my payment over the weekend as scheduled. Then I got an alert on my credit report that my payment was late. I was not 30 days late because I made my payment before the XXXX, I just think because of the weekend, that it did n't post on time.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: Hello, On XX/XX/XXXX, at approximately XXXX XXXX Arizona time, I attempted to have a security freeze removed from my credit report. This freeze has been in place for a long time. We had been through a chapter XXXX bankruptcy in the mean time. The website could not verify my information. I called and was eventually transferred to a woman who spoke poorly, had a heavy accent and would not listen to any of my pleas for clarification. I was able to figure out ultimately online how to resolve this matter and she did provide enough sentence fragments to point me in a direction. Experian was dismissive and condescending. Could not wait to get me off the phone and would not answer my questions. When I asked to talk to someone else such a supervisor I was ignored and stonewalled. I do not understand how a company with so much control over my financial life can be so lazy when it comes to customer support. All I wanted was information on how to resolve this and what I got but a minimalist brushoff both insulting and vague. As a company, they have a responsibility to communicate how to resolve issues better. I fumbled around the website until I found the answer but I largely abandoned and dismissed by Experian.

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 09/26/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TN).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: all of the above- until recently..funds not recieved. 

acct locked out repeatedly online ATM refusing balance called a NONCITIZEN after staying over 35 years in this country repeatedly before XXXX. 
locking up of XXXX account unlawfully ( 1st ) to lend my money away wo my consent. 
refusal to allow any account access. 
refusal to allow wire transfer of my money to another bank. 
refusal to authorize XXXX charges for over {$500.00}, resulting in XXXX to fix w XXXX ( unlawful unauthorized chargeback ). 
unlawful account closure w less than required time to contact federal govt to change over treasury benefit payment ( 3mos for XXXX, 2 for XXXX ). 

company tried to slander me ... longshot from " did not meet expectations ''. I charge $ XXXX for slander-Im a XXXX XXXX. 

is doing this and worse to several 1000s of veterans and wants us to shut up online about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Other debt) with JPMORGAN CHASE & CO. (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I would like to introduce myself as a citizen of Louisiana and contribute to the economy for many years. My Name is XXXX XXXX XXXX XXXX. I 've XXXX sons that resides in the state of Lousisiana, which are XXXX XXXX XXXX and XXXX XXXX. <P/>I was employed with XXXX XXXX XXXX for 29 1/2 years and a Federal Agency for 2 years. <P/>Both of my sons were employed as XXXX for the State of  Louisiana. <P/>However, after I resigned from a federal agency our credit was destroyed due to discrimination and harassment. <P/>Also, my family experienced several hate crimes in the State of  Louisiana. <P/>In addition, my bank accounts were seized and garnished. The banks are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX. <P/>Today, I am contacting your office to assist with predatory loans with Chase Mortgage Company. <P/>Also, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX for damages to credit and property. <P/>In addition, overpayment for insurance premiums to XXXX/XXXX of Louisiana. <P/>I was assigned to the XXXX XXXX XXXX XXXX as a XXXX XXXX for 2 years. After reporting XXXX  harassment and malfeasance by co-workers the following issues occurred in calendar years XXXX, XXXX, XXXX, and XXXX. 1. Delayed and Loss of Medical Benefits and Annunity payments. 2. Damages to Real Estate and Rental Property : XXXX XXXX XXXX, XXXX XXXX, Louisiana and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX 3. Foreclosure of Property due to predatory loans. ( XXXX XXXX, XXXX represented Chase Mortgage Company ) 4. Loss of Wages 5. Life Threaten 6. Attacked by XXXX XXXX Police Department Please be advised I contat XXXX XXXX, XXXX XXXX for assistance via mail and XXXX XXXX never respond to my inquiry. <P/>Verification of theft and harassment were reported to the XXXX XXXX Sheriff Office and the XXXX XXXX Police Department. <P/>Files ( ROI reference file # XXXX ) and OPM CSA XXXX ) to investigate this matter. <P/>I reported identity theft during XXXX XXXX. For several months I attempted to work with the credit bureau to resolve this issue. <P/>Would your office assist XXXX XXXX to investigate these issues? Also, is there a form I need to complete for assistance with these issues? <P/>My mailing address is XXXX XXXX XXXX, XXXX, Louisiana and XXXX. Please reply with a answer. Thanks for your assistance in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Student loan (Federal student loan servicing) with Allied Interstate LLC (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: A company named Allied Interstate is calling harassing me about my ex-husband, XXXX XXXX 's student loans. I have explained at least 5 different times that my cell number is not his number. I do n't have another phone number for him. Several reps repeated his last address they have on file. That is the last known mailing address I know he has. I do n't interact with him. I was left a message by an employee that he would continue to call until I provided another phone number to reach 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
Consumer complaint received 12-09-2016 about Credit reporting () with FIRST ADVANTAGE CORPORATION (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: A name discrepancy was found. an address discrepancy was found

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: In violation of FCRA, the above mentioned credit report by Experian, a section of " Requests for credit history inquires shared with others '' contains name of the following companies, to which Experian disclosed and is disclosing personal and credit history, WITHOUT authorisation OR prompt:1. XXXXXXXX XXXX XXXX XXXX XXXX2. XXXXXXXX XXXX XXXX XXXX XXXXExperian should explain/prove the authorisation it has to collect personal and personally identifiable information and authorisation to distribute the same via public platform/for commercial purposes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Other debt) with HCFS Health Care Financial Services, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A credit report dispute was submitted to XXXX on XX/XX/XXXX and completed XX/XX/XXXX via XXXX XXXX in regards to XXXX XXXX XXXX, XXXX. I contacted XXXX to request " debt verification '' letter because I was unfamiliar with the alleged debt they were trying to collect. I was unsuccessful, XXXX was very uncooperative so I enlisted the help of the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and forwarded supporting documentation. The XXXX acted as an intermediary and relayed my debt verification request to XXXX for a second time on XX/XX/XXXX. After some investigation we found that all the contact information on the account belonged to a totally different person. XXXX still maintained that there information was correct. 

More than thirty days have passed since the initial inquiry and XXXX has not been able to provide sufficient proof of alleged debt, so I am requesting that the debt for {$1100.00} from XXXX XXXX XXXX XXXX XXXX, XXXX be removed from my credit report expeditiously. 

Please notified XXXX that if you do not comply with this request, immediate action will be taken against them with the Federal Trade Commission and the Florida Attorney Generals office for violation of Fair Debt Collection Practices Act Section 807 ( 10 ( 11 ) and 809 ( 15 ). Civil and criminal claims will be pursued.

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 10-02-2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Credit line increase/decrease

Complaint: I have paid my bills on time and have a good relationship with my creditors. However, my new CITGO Rewards Credit Card issued by Synchrony Bank lowered my available credit from {$500.00} credit limit to {$80.00} credit limit with little or no warning. I learned of this only by logging on to my CITGO account to make a payment. I received no letter informing me of a potential problem with my CITGO credit. A reduction of my available credit, nearly 90 % of my good credit, has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.

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 06/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America has re acquired our mortgage from XXXX ... in this process they have charged a fee to us, and show it as late, even though the transfer took place in XXXX 2015 ... the fee, XXXX they say is related to the expenseof acquiring our mortgage ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Bank of America, is hold back transections to trigger overdraft charges.

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 06/16/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I do not have a contract with MDS. I am not liable for the collection of this debt nor am I responsible. I have never done business with this company. In fact, I have never heard of this company until receiving a copy of my credit report. MDS has failed to provide me with legal supporting documents. I requested the signed contract between me and this company and they neglected to provide it. Instead they sent me " ER  Admission papers ''. I requested an original itemized bill and they neglected to provide it. Instead they sent me a statement with a balance for " ER services ''. I requested a HIPAA release form signed by me allowing MDS to access my medical files they have neglected to provide that form all together. Not only are my HIPAA rights being violated by this company but so are my consumer rights. I attempted to disput this invalid debt via the bbb but to no avail. They continue to ignore my requests. It is my contention that MDS KNOWS they can not tie me to this account otherwise they would have done so when I made my initial request. MDS is BLANTLY disregarding the law.

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 10-10-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NC).
Issue: Trouble during payment process

Complaint: I was unemployed for four months ( XXXX XXXX through XXXX XXXX, XXXX ) and got a new job. I stayed current with my mortgage the whole time. After I went back to work I asked Ditech if I could get a loan modification to help lower the payments. In XXXX, XXXX, they told me to pay $ XXXX month for four months and then they would tell me what my permanent payment would be. After the initial four month period, I kept calling in to find out what my payment was supposed to be - I was told that the refi department was behind, just keep paying {$1400.00} - which I did. It took them 8 months after the initial 4 months to give me a final number and they reported me 60 days late for XXXX XXXX and 90 days late for XXXX XXXX to the credit bureau. They did not report for XXXX XXXX at all. I called to complain, but was told tough luck. Just for information sake, I am the XXXX of XXXX for a XXXX XXXX and know how to handle credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Payday loan () with GVA Holdings, LLC (PA).
Issue: Charged fees or interest I didn't expect

Complaint: Took out payday loan of {$600.00} and it turns out that the payment plan that they set up continually renews the loan without any of the payment being applied to principal. I should have read the fine print. I believe that the interest rate that they are charging me is in excess of the PA rate cap by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I 'm next to livid with all three agencies in the wake of the XXXX breach. First, no consumer should have to pay a fee to safeguard their financial identities and livelihood because of irresponsible reporting agency actions. It 's infuriating, and I plan to contact state legislators in Virginia about a fix. 

Second, I 've successfully frozen my report at 2/3 agencies. Experian has proven to be the least user-friendly site. It asks for your credit card information BEFORE verifying your identity. And multiple times, I 've attempted to place a freeze online to be told I can not be offered this service at this time and that I 'd need to MAIL them a host of documents verifying who I am. It seems infuriatingly odd to me that they are making it as inconvenient as possible to freeze your report. Additionally, there 's no easy way to speak with a customer representative when trying to file online. It 's online ( unsuccessfully ) or via certified mail, another cost to the consumer, or not at all. 

Additionally, I have issues with their previous address field. They often have specific requirements for how you enter the address and no guidance on specifications for that field to ensure it works seamlessly with their identity verification system on the backend. This can result in failed attempts as well with NO GUIDANCE as to how addresses should be entered into the form with multiple parts ( like apt . # 's, etc. ). 

Quite frankly, these companies are the WORST! The balance of consumer and business interests is way out of whack. XXXX would not accept my debit card to pay for this freeze, and I went with an alternate payment card, but still had THREE attempts from them on my pending transactions list at my bank, which they 've assured me would come off in 3-5 days. Yet, my bank can only see one of the transactions has been manually cancelled.

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 03/19/2015 about Debt collection (I do not know) with BB&T CORPORATION (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed the information with the company. However, I have not gotten a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX XXXX '' XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA).
Issue: Money was not available when promised

Complaint: I sent {$80.00} to my son. I 'm in Virginia and he is XXXX in Colorado. I sent this money at XXXX XXXX and he attempted to pick it up at XXXX, unfortuately, they said the money was not there. I have the receipt and reference number and called moneygram directly. so far I have been transfered twice and questioned as of why I sent money and who and purpose, all have been answered. Now I 'm on hold for 20 minutes while my son waits at the counter for resolution. I paid for their services that stated 10 minutes to transfer yet to be received by my son. I 'm still on the phone with MoneyGram, I have been transferred to XXXX levels and the time is now XXXX. I have someone who states they are going to release the money but keeps putting me on additional holds.They claim the money was released however, when I questioned what was the problem they only apologized and I asked again and they put me on hold music. I do know one certain, I will never do business with them again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I TRY MANY TIMES WITH THE CREDIT BUREAU AND THE CREDITOR TO REMOVE THIS ACCOUNTS FROM MY CREDIT BUT STIIL ALL THIS ACCOUNT ARE IN MY CREDIT REPORT.I TOLD ALL THIS PEAPLE THAT THIS ACCOUNT WONT BELOWN TO ME .THIS IS THE FIFTH TIME THAT I ORDER A NEW CREDIT REPORT AND THIS ACCOUNTS STILL IN MY CREDIT.

Company response to consumer: Closed with explanation