milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Mortgage (Other mortgage) with Seterus, Inc. (OK).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased my home on XX/XX/XXXX and refinanced the original mortgage with XXXX XX/XX/XXXX. My loan was then sold to XXXX ( XXXX ) in XX/XX/XXXX. In mid XX/XX/XXXX, I was solicited by XXXX., for a mortgage modification. They claimed that for a fee of {$3500.00} they would be able to modify my mortgage. I employed them based on their promises and agreements and due to the fact that they were law firm. I was instructed at this time that in order to be eligible for a modification, I would need to stop making my mortgage payments. While this seemed illogical, I obeyed. This is where my 6 year journey for a loan modification began. After several different modification companies, attorneys, mulitple foreclosure attempts and 2 rescinded bankruptcies to stave off the foreclosures & sheriff sales, I was granted the loan modification by XXXX. Early in the process, I suffered multiple hardships which further justified the need for the modification but went ignored. It took 5 years before I was finally allowed to speak with my modification " manager '' at XXXX The modification added nearly {$150000.00} to the existing debt of {$220000.00}, with a new note of XXXX. My payment were nearly identical to my original payments, with a term of 40 years. After the trial period, my mortgage payment increased nearly {$500.00}. During this process, I felt misled and lied to by XXXX, various attorneys and XXXX. I feel I was deceived. My life for the last 6 years was consumed by this constant battle of financial XXXX warfare to save my home. Had I known then that the only outcomes were ruined credit, financial distress, near XXXX, relentless harassment and a massive increase to my debt, I would have never stepped foot down this path. I am now dealing with a new servicing company, Seterus, who is handling my mortgage post modification. I feel like I am right back in the middle of the modification with amount of harassing phone calls I receive from this company. For multiple months, I receive calls stating the payment information I provided is invalid. I provided them with the same information, which is kept on record, in their system. This is a recurring problem.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Debt collection (Medical) with Maury Cobb, Attorney at Law, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: We were pre-approved for a service many years ago, and just recently ( 2 years ago ) when we went to do a refinance we were notified that we had a debt from the banker not the collection agency. Then I followed the steps to prove I do n't owe, and I got a voicemail saying the claim has been paid, and I do not owe anything. Recently I was called again saying only part of it was paid and I still owe money. I asked for verification of debt and have not received anything. I last requested and explanation of benefits vial emai as I was told to do on XX/XX/2016 and then spoke with XXXX from Maury Cobb again on XX/XX/2016. I do n't have any bills to reference because no one will send me any information just a few reference numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have trouble repaying my XXXX student loans. I have asked for help from Fed Loan Servicing but it would be a financial burden to pay according to the plans that I have been offered. The plans do not take into account the fact that I have no discretionary income to pay my student loans according to an analysis made by a Consumer Credit Counseling Agency. I have asked for a minimum but the provider has sent collections notices as well as threats of garnishment. Likewise I have asked for Teacher Forgiveness as I am a XXXX but I as ill advised by Fed Loan Servicing that I do not qualify even though I work in an XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 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: Account information incorrect

Complaint: I have these accounts listed on my credit report that are not mines and was open based off fraud. I have even filed and fraud complaint with the FTC and provided this before to the credit reporting company. I have contacted the companies and they have yet to respond. XXXX XXXX, XXXX - Opened XX/XX/XXXX, should be also deleted since it is seven years old. XXXX XXXX XXXX, XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX, XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX account was used to commit fraud and I even filed out a ID theft complaint sent to me by XXXX XXXX XXXX XXXX. <P/>These XXXX accounts below on my Transunion are not mines. I have disputed them before. XXXX XXXX XXXX - {$53.00} XXXX XXXX XXXX - {$5900.00} The inquires by XXXX XXXX on my XXXX and Transunion I did not authorize and have contacted XXXX XXXX and they told me to dispute with credit reporting companies. <P/>XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - is reporting on my XXXX report as a Charge-off and that is incorrect. The dealer vided the contract and this should not be on my credit report. <P/>XXXX XXXX XXXX account - Opened XX/XX/XXXX, is paid in full.

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 09-07-2016 about Debt collection (Medical) with Automated Accounts Management Services (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have continued to diapute this company i have had a fraud allert for years on my report as my info was stolden uet they keep reporting debt thats not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Inquiries affect your credit score typically weighing it down to a negative impact ;

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 12/24/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have told this company several times to stop contacting me. They are continuously calling me about a deb that is over 12 years old. They insist they can still keep calling me. The even had the nerve to harass me on XX/XX/XXXX. I told them the first time to stop harassing me and they told me it is not harassment. I will not continue to be harassed nor bullied by this company. My cell phone provider even considers them scammers and it automatically blocks the call and sends it to voice mail. I told them the debt is too old and to stop calling about it. I also told them I would be reporting them to The FTC and the representative did not seem to care I would be doing it and also stated that they can and will still pursue this ancient debt. I am a XXXX woman and I have a lot of problems. I do not need to be upset constantly by these people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (OR).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I bought a home at XXXX XXXX XXXX, XXXX XXXX , Oregon in 2002. We bought it for {$81000.00}, and a payment of {$720.00} at 7.5 interest. My wife left me about 2 years ago and refuse to pay anything on this house. She did sign over a quit-claim deed. I went to my mortgage company, Freedom Mortgage, and ask if I could apply for a hardship program due to loss of income from my wife. I am XXXX years old, XXXX on Social Security income only, a XXXX veteran and a XXXX I suffered in a car accident when I turned XXXX. The mortgage company put me on trial basis and lowered my payments per month at {$590.00} per month. I have always paid what was required every month without missing one payment, but they are saying in one of their letters they have not received any payment - that is not true, they received the lesser payment required of me to pay. During this time, the mortgage co., kept adding on extra charges per month the difference between the trial payment to the original payment. When I asked them about this extra charges, they told me not to worry about it. When the modification came for me to sign, it requires my wife 's signature to go through because her name is on the mortgage contract and she refused to sign. When I asked could my name be listed only on these papers because she gave me a quit-claim deed. They told me they could and re-issued me new papers with just my name, I went to the housing authority and had this papers signed, notarized and sent back. In one of their letters they denied my modification as they say I did not send in the paperwork signed and assisted by HUD. That is not true! I sent them the paperwork on schedule. 5 months later they come to me and tell me they still require her signature and if she does not sign, I am going to go into foreclosure, because adding the difference between my trial payment to the original payment, I am delinquent with my mortgage and owe them {$5300.00} and if I do n't pay this amount up to par by XXXX XXXX, they are going to start foreclosure procedures on me. My home right now I owe is {$63000.00} and I feel what this mortgage co., has done to me is unfair practices. I need help!

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 01-03-2018 about Mortgage (Conventional home mortgage) with NVR INC. (MD).
Issue: Closing on a mortgage

Complaint: I purchased a new construction with XXXX XXXX in XXXX, MD and used XXXX XXXX in-house lender, NVR Mortgage, as my mortgage lender. However, due my loan officer and NVR Mortgages negligence, they failed to provide me with the information that I needed to properly submit an application for the Maryland HomeCredit Program, which offers eligible first-time home buyers an annual tax credit of {$2000.00} for the life of the loan. I first inquired with my loan officer during our initial meeting on XXXX XXXX, 2017 and had submitted several follow-up inquiries regarding the application process for the Maryland HomeCredit Program to her over the course of the 5-months that my home was under construction. Despite the 8 e-mail and phone inquiries during this period, my loan officer only responded to me once and told me that the application would be provided to me at settlement, which would still be sufficient time. However, I was not provided with an application at closing, and it would be another 3 weeks after settlement that my loan officer would share an application for the XXXX XXXX XXXX which was not the Program that I had been seeking. When I finally received the Homestead exemption application, I immediately notified NVR Mortgage of the problem. They researched the issue for several weeks and was found that I would no longer qualify for the Maryland HomeCredit Program because the application needed to be submitted by the lender prior to closing. So it was too late. As a result, I suffered a potential loss of {$51000.00} in tax credits over the course of my 30-year mortgage. 

While NVR Mortgage has acknowledged that they were fully at fault for not responding to my inquiries in a timely fashion before closing, they had determined that, despite the fact that my loan officer had recommended that I put down a smaller down payment than what I could have offered and for which, I could have adjusted if I was provided with the correct information before closing. As a result, my loan exceeded the eligibility criteria for the Program, and NVR Mortgage 's corporate office does not feel that they need to take any action or responsibility for this negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I've contacted Transunion twice in regards to 3 inquiries on my credit report that I did not make. I advised that I suspected fraud. They informed me they couldn't do anything and to contact the creditor- XXXX XXXX. I contacted XXXX XXXX and was informed they could not do anything either.

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 Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I checked my credit reports and see an item from a debt collector called Enhanced Recovery Company for the amount of {$450.00}. They list the initial owner of the debt as XXXX XXXX XXXX whom I have not been in contact with for 7 years. I contacted Enhanced Recovery by mail and asked them to verify the debt, who was owed, original date, their right to collect. Instead of responding to me they put the " open date '' on my credit reports as XX/XX/XXXX suggesting that 's the age of the supposed delinquency instead of my last contact with XXXX XXXX XXXX in XX/XX/XXXX. I want them to follow the FCRA and remove that line item on my credit report ( from all XXXX CRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This complaint is being made on XX/XX/XXXX. I have a graduated repayment plan with the US Department of Education. I have a statement date of XXXX XXXX, 2017. They advised that my monthly payment per my graduated plan is {$540.00}. I spoke with a representative at Nelnet and they told me about a new program called REPAYE that could make my student loan payments less. I asked how much the loan payment plan would be under REPAYE. The Nelnet representative told me that the payment would be less and that I could send in my taxes and then they would advise on the lower payment amount. I made my monthly payment in advance of XXXX XXXX, 2017 for the sum of {$540.00}. I got a letter in yesterdays mail advising that the payment amount would be significantly more. This was the first information I was ever advised on the amount I would pay under the REPAYE plan. I called Nelnet to say that I want to stay in my current plan. Nelnet said that I could not because they re-did the terms of the loan and would not let me in the graduated plan at {$540.00} per month. They said that I could only be in a graduated plan for {$550.00} per month. I was never advised that I would be taken out of the graduated plan. I was just told that they would be able to tell me the monthly payment amount under the other plan if I submitted an application. I did not say that I wanted to change into any new plan. I offered to pay any interest to prevent any capitalization so that I could keep the payments at the rate of {$540.00} per month. I was put into a plan at the {$550.00} per month. They refused to put me in at {$540.00} per month. I was improperly advised by technicians at Nelnet. They never told me that the loan terms would change or that there would be any capitalization. They never told me that my even filing an application that my amount would change at all from my plan of {$540.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed this account three times and they continue to verify but not validate according to the information requested in my initial letter, which to my understanding I have a right to request that all of these questions be answered. I am enclosing the last correspondence which shattered my faith in this company when I found another consumer 's credit information included in my mail and I believe in retaliation this company immediately added this account to my account again which caused my credit score to go down again. I think there aggressive behavior and the consistent letters stating they are concluding their investigation without providing the information I requested is intimidation. 

Please help. I am really stressed out over this company. 

XXXX XXXXAttachments : enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I reviewed my credit reports and have noticed that Equifax is reporting a balance for XXXX of {$8500.00} but XXXX is reporting a balance of {$9200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: An account was opened under my name using my personal information by Wells Fargo bank without my consent or my knowledge. 
I called the bank and their explanation was the account was created based on the information received from an employer for which I had stopped working for more than 2 years prior to the opening of the account. 
I found out that the account was opened on XX/XX/2014. Although they claimed that it was closed, I can still see the account on my profile whenever I log in. 
It is important to note that I had serious security issues with the bank mentioned above. I used to receive email almost on a weekly basis informing that my account was compromised ; therefore, my online access was blocked and I, every time had to go and change my password because someone was trying to access my account according to them. 
That situation caused a lot of stress on my relationship for I thought my wife was using my computer to access my account. That belief led to many unnecessary arguments in my relationship. I could n't imagine that someone from the bank was trying access my bank profile to create an additional account. 
I need you to please guide me in what my course of actions should be for this outrageous crime.

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 01/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TRANSUNION AND XXXX REPORTING INFORMATION NOT MINE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing statement

Complaint: On XXXX XXXX, XXXX I requested copies of my monthly statements for the period of XXXX, XXXX and XXXX XXXX since I have n't received my statements. I have logged into the online service where both my old / closed Walmart account appeared and my new Walmart MasterCard appeared. But for whatever reason Synchrony bank removed my Walmart MasterCard from being viewed denying me access to view charges, interest and any transaction posted to the account. In other words denying the same right given to other regular customers who receive timely access to their monthly statements. I received a response or XXXX dated XXXX XXXX & XXXX, XXXX advising me that they would make every effort to resolve my inquiry in a timely manner. We are now in XXXX XXXX and I have not received those statements. This week I logged in to see if I had my access to the account reinstated but nothing has changed.

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