milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2017 about Mortgage (Other type of mortgage) with Seterus, Inc. (IL).
Issue: Trouble during payment process

Complaint: I have spent a year and a half, and XXXX complaints with CFPB, to try to get XXXX to restore online access to my account in full after they blocked me XXXX years ago when incorrectly listing my loan as in bankruptcy. They have paid minimal lip-service to my issues, lied to me repeatedly, and their constant delays in activity have cost me money. 

They promised continual contact with me until resolved. No one at XXXX has called me or made any attempt to follow up in 6 months. I am unable to look at any of my data online and must get statements mailed to me. I am unable to schedule XXXX XXXX payments a month. They ruined my credit rating ( that I was trying to restore ) with their inexplicable incorrect reporting of my home being in my bankruptcy. This reporting caused higher interest rates, inability to get credit, to be a co-signer on a family vehicle requiring my elderly mother to co-sign. They continued to add late charges to my account ( not credited until XXXX XXXX ) causing my account to be unavailable to be amortised promptly. That delay, after the credits were given bringing the loan to date, took multiple threats, complaints over XXXX months before my monthly loan amount was reduced ; this after being promised it would happen within weeks. 

I want my online access restored, or for them to delete that online account and reactivate it if necessary to get me what everyone else has. I want a credit applied to my principal equal to the amount of reduced monthly loan that XXXX had overcharged me for XXXX months. I want their heads on a pike, starting with the lying XXXX XXXX and his entire department of XXXX. I want my loan moved to another servicer without having to refinance. I am done playing nice and waiting. I have spent upwards of XXXX hours fighting with them, and all they do is lie. If you have any questions, you can ask XXXX XXXX at XXXX XXXX. She knows the whole story.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (KS).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX2017, I logged in to pay my Best Buy Visa Credit Card bill and noticed my account had been closed. I called customer service who transferred me to an account specialist. They informed me that because mail had been returned to them they had to close the account. I verified my address with them and asked them to reopen the account. They said their policy stated that they could not re-open my account and I would have to re-apply if I wanted to have a best buy card. I tried to escalate this matter to a supervisor and was told the same thing. My account has alway been in good standing, I managed my credit limit well and never had a late payment. There is no reason why Citibank would have a reason to keep this account closed.

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I noticed on a credit report i requested from TransUnion dated XXXX XXXX XXXX that there were several names and variations of names and names which obviously belong to somebody else all attributed to me. There were also several addresses where i have never lived listed as my addresses. There were also several phone numbers which do not or have never belonged to me. I contacted TransUnion on XXXX XXXX XXXX requesting that they correct the incorrect information. On their response dated XXXX XXXX XXXX, i notice that they have not corrected the incorrect names and infact they have added a new name which obviously belongs to someone else. I also had requested that TransUnion remove several accounts from XXXX XXXX XXXX listed as can be considered negative since by The Fair Credit Reporting Act ( FCRA ), accounts that have been settled should be removed seven years from the initial missed payment that led to the delinquency. This is the case but the accounts continue to remain open as " considered negative ''.

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 08/26/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Using a debit or ATM card

Complaint: Hello XXXX XXXX here I deposit money in my account so can setup my birthday vacation.I was able too book hotel but when book cheap airline ticket chase block payment 3 time .I call them a get answer we seen you using your debit card so we block it.It m y money an telling me can, t spend it too setup vacation.they unlock card again i tried got a higher price airline ticked they block it again.I call them an only we sorry we seen u using your an locked your card.now i vacation coming up on XX/XX/XXXX can not airline ticket an all ready paid for hotel.Chase try tell me how too use my own money.took year too get a vacation an money an blocking from using my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MO).
Issue: Fraud or scam

Complaint: Pay Pal fraudulently withholding my funds after randomly closing my account without explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have reported to XXXX several times about XXXX purchases that I never received from the merchant. The first purchase posted to my account on XXXX XXXX, XXXX, for {$580.00}, and appears on my statement as XXXX XXXX XXXX, OH. The second purchase posted on XXXX XXXX, XXXX, for {$360.00}, and appears as XXXX, OH. I never received the merchandise in the first place despite tracking information shows the shipments were successfully delivered. Carriers have been known to leave packages unattended at the porch and as such anyone could have just taken it. I never heard back from XXXX regarding any of these disputes I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: For the past three months ( XXXX 2016 - XXXX 2016 ) I have made my scheduled monthly mortgage payment through the ditech website at www.ditech.com, and each month I am having to follow up with each payment because they are not being credited to my account. The monthly statement will show payment received but because I make note of my principle balance each month I noticed it does not decrease. When I call and speak with a representative they state the payment is " sitting in the unapplied funds account ''. If I am making my scheduled payment amount, no more nor no less than what I need to pay why are my payments not being credited to my loan? I should n't have to follow up every month to ensure Ditech is crediting my payments as they should. As a consumer this is very inconvenient and makes me question if my payments are even being applied between escrow, pmi, interest, and principal correctly. I 'm sure this must violate the Regulation X, RESPA in respect to Prompt payment crediting.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX account was removed however a collection agency placed themselves on my credit and the credit bureau nor the collection agency has failed to remove the fraudulent account from my credit. I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. XXXX XXXX XXXX Account Number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I received an offer in the mail form Capital One telling me I was PRE-APPROVED for one of their high interest credit cards. I am trying to rebuild my credit since I have had past problems with medical bills. The Application came with a reservation code and access code, so I thought the offer was legit. 
After applying on-line, I was declined even though the paper said I was PRE-APPROVED and I received a notice that this application LOWERED my credit score that I have been trying hard to improve. 
Not only was this FALSE ADVERTISING and MISLEADING, but it has damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was in a settlement agreement on a retail credit card with an attorney based debt collection agency nearly three years ago. We agreed upon a settlement amount. I paid the said amount in full in XXXX of 2013. It was agreed upon that the agency would report this information to the credit bureaus accordingly ; they did not. The information is still being reported negatively to credit agencies. This collection agency is very aggressive and quick to file suits against consumers. They should be sanctioned for this action. I understand this is the risk for bad financial decisions, but if you honor your debt, you should not continue to be punished for it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Payday loan debt) with Big Picture Loans, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I took out a payday loan several years ago through XXXX XXXX XXXX. During that time, things were fine, until I needed to change to a different bank account because I changed where my direct deposit was going. They told me that there was n't a problem, then they tried to take it out of the wrong bank! When that happened, everything went nuts and I had bounced checks going crazy on that account. This put me in a financial bind and I was not able to pay them, and I had to close out that account. That had to be at least 2-3 years ago. 

I received a phone call today at WORK ( I have told XXXX XXXX that they may NEVER call me there ) from XXXX at XXXX telling me that they were in the process of having me charged with defrauding the state of Florida and writing bad checks. Once this happened, I would be arrested at my place of employment! I told them that they could not call me there, but I would have my wife call them back. When she called them, they would n't give her any information. She wanted their correct name, mailing address, and fax number, but they refused to give it to her or even verify their correct business name. ( They answered the phone as XXXX, XXXX, and XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: CommonWealth Finance removed an item from my credit report and then re reported it with a new account # and status of account. If they could n't prove the account the XXXX time a new account # is n't going to change anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: My personal background information is incorrectly placed as my security questions does not relate to my past history. For example, an individual who does not live with me and no relations was asked by my personal XXXX XXXX for access of my account. This security questions was placed by the credit bureau. Upon calling the credit agency, the rep refused to help by hanging up. Trans Union need to update my credit report with accuracy. All my past debts settlement did not show up in my credit report. There are debts still exist as debts causing my credit report is be lower. My student financial loans was settle yet it shows up as still owed. Pass judgments still shows up as current despite paying off.

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 03-11-2017 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: Ditech Financial LLC has been attempting to collect a debt which has been assigned to my ex-husband upon our divorce. This is listed in our divorce decree ; and I have signed a quit claim deed to the property. I have provided them with all necessary documentation including the divorce documents indicating this debt was the responsibility of my ex-husband. In addition, Ditech was not the original lender and they have not provided information indicating they can even collect on this debt. To clear my name of this, they offered me a settlement of {$4300.00}. I provided all necessary documentation to the agency and agreed to the verbal contract to simply clear my name of the process, however they retracted the offer and asked for {$10000.00} as a settlement even after I provided them with financial information indicating I did not have {$10000.00} to pay them. They have continued to harass me by phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease

Complaint: The late fees on my Santander account are not accurate and they should be removed off my account and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Advertising and marketing

Complaint: I Was sent several mailers as well as emails informing me of a sign up bonus of XXXX XXXX XXXX XXXX when i applied for a credit card with citibank. I applied for this card, was approved, Met the terms of their offer, and now they are refusing to give me the sign up bonus, based on some internal policy which is not transparent to the consumer, as well as using targeted advertising to me specifically. If i was not eligible for the offer they presented to me, they should have not presented me with the offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Mortgage (FHA mortgage) with Seterus, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus Mortgage purchased my loan from another company. I issued XXXX different checks to have applied to pay off the loan. They applied them incorrectly and then reported to the credit bureaus that I was late {$7.00} for a couple of months. I did n't know about this until my car insurance went up dramatically, and after several months of asking Seterus to resolve the problem with the reporting, I was told that it had been cleared. Only to find out from my XXXX XXXX FICO score that due to Seterus incorrectly reporting to the credit bureaus, my FICO score of XXXX is now at XXXX & I worked very hard to maintain a high FICO score. I believe that Seterus needs to be aware of how they can ruin peoples life. 
I am now trying to find out how do I get my FICO score back where it has always been. The low FICO score has been since XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I acquired a reverse mortgage from Champion Mortgage XX/XX/XXXX for {$170000.00}. I received approximitely {$150000.00}. by the time they took all their fees. My question was will there be no prepayment penalty because it was always my intention to repay. I was assured that it was not a problem. I have found that the interest is very high and I sent them {$75000.00} to pay down the mortgage. I have had a great deal of trouble with their insurance department because they want flood insurance but my agent at XXXX XXXX said I was not in a flood zone. They refused to listen to her even when we sent FEMA charts. They charged me {$5000.00} a year for flood and will not change the amount. The mortgage co. paid my house taxes on XX/XX/XXXX without my knowledge and when I sent them a check for the taxes they refused to accept it. They held on to the bank check for several months before they returned it to me and it was out of date. luckily my bank went the extra mile and gave me my money back. They are now foreclosing on me and in order to try and get a new mortgage I checked the liens on the property and found that they had put a XXXX mortgage on the property for {$570000.00}. I never got one cent more than the first payment. I can not get any bank to even look at me untiI straighten it out. Please help a XXXX out of this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Midwestern Health Management INC (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have an entry on my credit report from Northwest Financial Services in XXXX XXXX, Missouri that stems from a medical bill from XXXX XXXX that was reading an XXXX on my XXXX XX/XX/XXXX. The original bill was XXXX and now they have increased it to over XXXX. This bill is past the seven year mark and they have been made aware of this but they state that they can report this for ten years. This is violation of FCRA. I have wrote letters, made numerous phone calls and always I am told that it remains fro ten years.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX continues to report this debt as being active and new to my credit report which stops me from attaining new credit and causes me harm and distress.
I have contacted XXXX where they claimed they will remove the account from my credit report and will do so however after about 30 days will show up again.
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Because of their derogatory reporting it has been very difficult to get my life in order. One representative informed me that sometimes it is just our job to make sure your life is n't easy because you do n't get to get the easy route when some of us have it hard. XXXX is reporting to TransUnion This issue with XXXX has been going on for several years and the great hardship it has caused including extra lengthly investigations into my background checks for the renewal of my clearance has not been easy and very stressful.
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As one of their employees informed me we do not exactly care, because it does not afect us in the slightest bit. According to the system the call may be recorded for quality and training purposes, however I do not know if it tuly were.

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 05/18/2017 about Debt collection (Medical debt) with Credit Center, LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am  XXXX   XXXX   XXXX . This collection agency has put  XXXX   XXXX  and  XXXX  dollar charges into collections under  XXXX  different accounts. The first time I ever checked my credit report, I see  XXXX   XXXX  and  XXXX  dollar charges. I have never received a bill from a medical facility. If at any point I did owe, it would be under my parents. The time that this collection agency got the account I was just  XXXX . In order for anything to go into collections, it had to be delinquent for some time. I could n't have delinquency as a minor. I have never received a bill, a call, email nothing. I am requesting assistance in getting this removed from my credit file and having this company disciplined for erroneously reporting collections on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Bank account or service (Checking account) with KEYCORP (ID).
Issue: Account opening, closing, or management

Complaint: In 2011, when I was naive to internet scams, I tried to sell some of my old video games on XXXX. The buyer sent me a check, asked me to cash it and then send the money to his carrier for him. This turned out to be a scam, the check bounced and the balance was deducted from my bank account. Key Bank closed the account as SUSPECTED FRAUD when the status was UNPAID. I proceeded to pay back the amount owed in full, but it still shows up on my report as SUSPECTED FRAUD and UNPAID due to the immediate closure of the account before I had a chance to pay it back.

Company response to consumer: Closed with explanation