milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2016 RE : Un-Ethical Business Practices Seterus XXXX XXXX XXXX, XXXX, XXXX, XXXX Loan # XXXX Approved for {$52000.00} from Keep Your Home XXXX. Distributed to my lend Seterius Acct # XXXX Instructed by Seterus to NOT submit any payments until I receive the NEW invoice which would reflect the NEW decrease monthly payments. 
Notarized new contract XXXX 2016. 
During the reconstruct of loan, I have been invoiced showing negative balances. 
XXXX invoice had credit balance XXXX invoice had credit balance XXXX invoice had credit balance However, received a XXXX notice in XXXX this time a Notice of Default. 
We were lead to believe that funding from Keep Your Home XXXX would be applied to catch loan up current and then we would receive an appropriate invoice reflecting new payment. 
Seterus NEVER invoiced me properly, did Seterus follow appropriate guidelines in regards to processing and now invoicing me the borrow? Is this legal business practice for a lender? 
I fell behind in my loan due to a medical illness, that has left me permanently disable. Extremely stressful to be placed back into yet another stressful situation. 
REQUEST - - - I am requesting that the funding is used to COMPELTE catch the loan up to current status and then invoice me properly reflecting the new balance due. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I wish to file a complaint against Specialized Loan Servicing ( SLS ) regarding a loan modification. I had a foreclosure sale date of my home on XX/XX/2016. I contacted a HUD representative and they stated to file for Keep Your Home California ( KYHC ) Mortgage Reinstatement Program ( MRAP ) to bring my mortgage current and file for a HAMP. I worked with one point of contact and she knew I had applied for MRAP and HAMP. SLS approved the trial payments for the HAMP and KYHC approved MRAP and funded {$50000.00} to SLS on XXXX/XXXX/16. I had made XXXX trial for XX/XX/XXXX and XX/XX/XXXX and when I was funded, my KYHC MRAP, the XXXX trial payment for XX/XX/XXXX was paid off with the MRAP. On XXXX/XXXX/16, received my Hamp modification documents ; these were the official mortgage modification with my new mortgage payment and the HAMP loan terms were based on the MRAP applied to my account bringing it to current. I signed the HAMP Loan Modification documents, had them notarized and sent them back vis XXXX and received on XXXX/XXXX/16. 
My XXXX payment of my new HAMP mortgage was due XXXX/XXXX/16. When I went to pay online, my loan was different than what I had signed and agreed to. When I contacted SLS they informed me that on XXXX/XXXX/16 I contacted them and requested for my HAMP to be canceled ; the MRAP was still in place. SLS also stated that they had sent a letter to my home. I informed SLS that I did not contact them and request for my HAMP to be canceled. I asked time did I contact and with whom did I speak to ; every contacted is logged in their system. SLS stated that there was no representative I spoke to on XXXX/XXXX/16 and the notation that I contacted SLS to cancel my HAMP was computer generated. When I asked why this had occurred the represented could not give me an answer. Also, online there is a link to correspondence from SLS to me and there was no letter from SLS about this situation as the representative had stated. Because I missed the XXXX/XXXX/16 payment, that I was unaware I was to make, I received a default notice on XXXX/XXXX/16. It takes 3 late payments for default filing. Every conversation I have with a representative, I receive completely different solutions and responses. 
I requested what I could do to remedy this situation, it was suggested that I reapply for the HAMP. I 'm not guaranteed that I will receive another HAMP. 
The resolution is that I would like to review of this situation as to why my HAMP was canceled. I would like documentation of any policy that SLS has regarding having my HAM, documentation that I indeed contacted them and have my HAMP reinstated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian refuses to investigate my dispute for erroneous personal and account information on my credit file. They will not provide me with the method of verification per FCRA Section 611 ( a ) ( 7 ). I just received 3 letters, the first that came back " verified, '' which is not sufficient and the other two letters were letters stating that they will not investigate my claims, even though they did n't show me how they investigated in the first place.

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 09/29/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (VA).
Issue: Account opening, closing, or management

Complaint: Complaint against PayPal Synopsis : PayPal unfairly locked my account and held my account balance for more than 180 days before I was ablet to access it. Even after providing all the information requested, the account has not be restored for full access. Account continues to be limited and useless to me. I am not even being allowed to close my account ( I do not want my credit card and bank account information to continue to be saved on their website )

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted all three credit reporting companies, because I received a letter from XXXX XXXX XXXX ( who claimed to have bought a debt relating to me from a third party ). I have continuously stated that this debt is not mine both to XXXX and to the credit reporting agencies. XXXX 's letter notified me that the statute of limitation HAS EXPIRED, and they will contact the credit agencies to remove this debt from my credit report. However, the debt still remains on my report although the statute of limitation has expired. This debt was never mine to begin with, and I even went to court, and it was disposed of by the judge over 3-4 years ago because XXXX 's attorneys could n't offer any proof. 

If you take a look at my supporting documents ( my letter to the credit agency and XXXX 's letter to me - attached ), it is officially from XXXX ; however, the credit agencies " claim '' that when they contacted XXXX, that they were told that this debt is mine -- obviously because XXXX wants money, and rather than the credit agencies doing their jobs, in terms of accuracy, they are failing to do so and being ignorant of my side of the story. 

This debt is not mine, and the credit agencies need to read the official letter sent to me by XXXX. This is harassment on the part of XXXX if they are indeed stating this debt is accurate, when their own letter states that the statute of limitation has expired and even went further to state that they will contact the credit agencies to remove. 

Please assist in getting this " inaccurate '' and " expired SOL '' information from XXXX off my credit report. 

Many thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (NJ).
Issue: Managing the loan or lease

Complaint: My wife purchased a car from a XXXX dealership in XXXX XXXX, New Jersey. This purchase was financed at the time of the purchase through Ford Motor Credit. The purchase consisted of a down payment with the balance to be paid in monthly installments over a XXXX year term. On the same day financing was set up - we enrolled in automatic ( recurring ) payments from our deposit account. Nevertheless, each month my wife would log on to Ford Motor Credit 's web portal to make each installment payment and effectively overrode the auto-pay function. In the first part of this year we failed to manually make the payment as we were out of the Country ( XXXX ) and we were for the XXXX time relying on the auto-pay to make all of all periodic payments ( including this auto installment loan ). When my wife logged on the following month to make a manually payment, she was informed that the payment was not processed. She immediately made that payment ( inclusive of a late fee ) and the following XXXX, in addition to orally confirming with Ford Motor Credit 's customer service that the auto-pay was active for future months. In inquiring about the matter, I was informed by that our auto-pay request was not transferred from dealership to Ford Motor Credit when we initially financed the vehicle, but is now confirmed to be active on this account. There is now an inaccurate derogatory mark on my wife 's credit history because of their error which is negatively affecting our ability to purchase a new home. 

We reached out to Ford Motor Credit regarding this error in which they responded with a form ( XXXX ) letter that failed to address the claim. To wit they responded : " [ t ] o prevent derogatory information from being reported to the credit bureaus, the full payment must be received, or an extension requested and processed before the payment is XXXX days past due. As the reported information accurately reflects our experience with your account, we will not request the Credit Reporting Agencies to remove it from your credit file. '' The account was not XXXX days past due, rather any failure to process the full installment payment was a result of their own failure to execute the previously authorized automatic electronic funds transfer from our deposit account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is illegally reporting false information about me on my credit report. They are alleging that I owe a balance but when I attempted to contact them and resolve whatever claim they had, they refused to take any payment from me. I checked my report in XX/XX/2017 and XXXX is still reporting that I owe a balance. I need to have this account removed from my record immediately as it is affecting my credit in an egregious manner. XXXX appears to have no interest in complying with the Fair Credit Reporting Act or the Fair Debt Collection Practices Act as I have previously contact them requesting proof of this debt numerous times and have not received any documentation or validation to date and they are refusing to accept payment from me but want to report delinquent information about me to the credit bureaus. They are also falsely claiming that I recently paid them {$110.00} which is also completely false and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Inquires on my credit not authorized by me. 

XXXX XXXX credit card in good standing missing from report. 

Credit Age year has drop XXXX credit card is showing the wrong amount owe change to higher amount, just recently changed within the last 3 months Credit score dropped 60 points or more within the last 3 months. Big difference in my score compared to XXXX and XXXX Old debits that have been delete is back on report The same items on report is showing up multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Hi - I am  a New Yorker and  a  30 plus year Citibank client - also a private banking client and now CitiGold Account - my account is in good standing.    I am traveling in  XXXX  and was asked to use a PIN with the   Citibank Mastercard - something I never do in the US - because I remember my PIN in letters and the key pad here is only in numbers - I Transliterated the number wrong - and then went to bank and entered a wrong number the account was blocked.
Citibank has established my identity a variety of ways and satisfied I am the card holder.
But to my astonishment I am now stranded with no money because Citibank will not unlock the account and will not allow me to create a new PIN to access my account - Apparently they just block you from your own account - and your own money.
They are completely unable to problem solve and the first 4 representatives i spoke to to - just gave me inaccurate information!
Here are the employee numbers - Plus I am traveling child - Please 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 08-03-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX ExperianXXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- the are required to promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thanks you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: My account I had with Credit Acceptance was paid in full on XXXX 2010. It is currently being reported as " charged-off '' and a " collection '' account on my XXXX credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had a contract with  XXXX  that initiated on  XX/XX/XXXX . After having  XXXX  services performed, I noticed my lawn deteriorating. I reached out to  XXXX  and expressed my concerns. They blamed it on our lack of rain, although I had been watering the lawn myself and incurring the additional expense on my water bill. On  XX/XX/XXXX  I called and spoke with  XXXX  at  XXXX . I informed her that I wished to discontinue my agreement with  XXXX  because my lawn looked much worse than when I started. She assured me that my account had been noted and that no additional charges would be made. The area manager,  XXXX   (   XXXX  )  XXXX  called me on  XXXX  and said that he was sorry for the poor service that I had received and that he was going to come and evaluate my yard to see if there was anything they could do to win back my business. He said that he would remove the unauthorized charges from my account. As of today  (   XX/XX/XXXX   ),   I have never seen or heard from them again. I am now receiving collection notices from Transworld Systems for the {$230.00} amount. I have written to them explaining all of this, however they continue to attempt collection. I do not want this to tarnish my credit. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: I had disputed a XXXX XXXX XXXX XXXX charge as I was overcharged by an amount of {$1100.00}. This was resolved by Chase Cardmember Services after I provided them with all the documentations requested which included an acknowledgment by the XXXXXXXX XXXX XXXX XXXX  location manager on wrongly charging the account. I also received a confirmation letter from Chase that this dispute was closed and the credit which was applied temporarily to my account would remain permanently. Please see attached letter from Chase. This charge was however reinstated on my card with no further explanation. I tried calling Chase multiple times via phone calls to which the response has been that they can only open it up for research and can not do anything further. I have also sent Chase multiple secure emails and it has been more than 2 months now and has received no explanation or resolution to an already resolved dispute ( as per the attached letter ). 
I have reached out to Chase with this issue via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and via phone calls and talked to XXXX XXXX ( Chase does not allow their employees to provide last names ) in early XX/XX/XXXX who acknowledged that the charge is incorrect ( on a recorded line ) and that it should not have happened but all he could do is open it up for research ( again ) with the disputes resolution. He assured me that the resolution will be done in 5-7 business days. About 2 weeks later in XX/XX/XXXX I called again and this time XXXX XXXX who is manager gave me the same response and said it will take about another month to resolve this. I talked to another manager called XXXX XXXX on XX/XX/XXXX and he said he is not aware of this issue and has no access to emails or phone call history. At this time its been over a month with no communication or resolution to the matter and we are tired of making phone calls and have been provided with no resolution to the matter. 
I am not confident that Chase is trying to do the correct thing here and as a consumer, I feel like I have not received the resolution despite a confirmation from Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   has been reporting loans more than 120 days late when the loans were paid in full by a student loan consolidation.

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 10/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Carter-Young, Inc. (AR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I sent an email to XXXX for verification of debt. To date I have not received any information from them, only a phone call. I have requested several times that they send me information detailing the debt that I owe, they will only state the information on the telephone and will not provide me with written verification of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with LEXISNEXIS (WI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: XXXX is my insurance company, who uses credit ratings to calculate annual fees. I requested a copy of the report they used in preparing my renewal. They sent me to a company called 'LexisNexis '. LexisNexis sent me a copy of my driving record - but not the credit report ( though I asked for the credit report ). The paperwork they sent me is very sketchy and does not tell me how to get the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am writing because of a situation I have tried to rectify for over 5 years now with absolutely no help by FedLoan and its arbitrary, irrational policies. I am a teacher in Oklahoma and get paid once a month on the XXXX of each month. I can not change that fact ever- it is the way my school district- XXXX XXXX Schools in XXXX County , Oklahoma does it. Several times since I have, through every means, tried to get my payment due date scheduled on or after the XXXX to ensure I incurred no additional fees. I have been told by CSR 's and their Supervisors that the date can not be changed given my plan- what plans can change and why ca n't I. I was never told this at any time when signing up or re-certifying for my plan- Income Driven Repayment. The website says clearly if I 'm having trouble to ask through email and they will change the due date- just not for the poorest of us loan-holders! I asked verbally during the process and again later in at least 6 different emails sent through the FedLoan portal for a change to this due date from the standard XXXX to the XXXX or later. I sent an email in XXXX and 2 more in the last week asking for a change. I have already paid over {$200.00} in fees resulting directly from the timing of these payments. I signed up for Direct Deposit hoping it would allow me to change this date but to no avail. They would n't cancel that for me either when I asked saying 3 business days are needed ( Fri, Mon, Tue ) so I 'll be out hundreds again this month due to this due date! I can not understand why 1. It is such a difficulty to change the date for me and 2. why people who are at highest risk of default are being forced to adhere to a due date which incurs regular financial harm? They always say I had to change it when re-certifying and I asked them to and they said I must make a payment 1st then I could- not this new excuse. I have been lied to throughout this process and simply do not understand why I am being forced into an even worse financial situation each month by a simple due date that ANYONE should be able to change at their will!

Company response to consumer: Closed with non-monetary relief