milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2017 about Mortgage (Conventional home mortgage) with FIRST AMERICAN FINANCIAL CORPORATION (MI).
Issue: Struggling to pay mortgage

Complaint: I am filing this complaint because I were recently alarmed by a statement from a first American title insurance company in reference to claim no.  XXXX  referred by parks title and the intake worker said BOTH OF YALL NAME IS ON THE TOP OF THE TITLE. I am seeking action without delay to deal with   XXXX   XXXX   whom committed mortgage fraud and must be held accountable.
  XXXX   XXXX   and his daughter Immaculuate   XXXX   listed on the covenant deeds claim they bought   XXXX   XXXX   XXXX   at a bank sale for   XXXX    from   XXXX   XXXX     XXXX   XXXX   and harassed me to moved out.
They claim parks title conducted the title work and I were contacted by the federal trade commission in  XXXX  revolving around ftc #   XXXX    and instructed to call   XXXX   and see what they would do for me. They repeat over and over that they were sorry for what happened to me and would do a lien release on the property which I received  XX/XX/XXXX . The  XXXX  loan is marked paid off on my credit report in  XXXX . Also the case was published by the OCC complaint no.  XXXX   XX/XX/XXXX  against   XXXX   XXXX   and fined   XXXX   XXXX   and a cease and desist order made by the Court.
There is no legal transaction on record.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Advanced Collection Bureau, Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Advanced collection bureau has repeatedly changed the date first reported for the XXXX XXXX XXXX debt on my report. The date of first delinquency is wrong. This account should no longer be on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was in forebearance and my loans were reported as 90 days late on my credit report for no reason. They were never reported as 30 or 60 days late. I now have negative credit because of the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX just sold my account to a collection ( Afni ) and I have been make payments XXXX. Since afni have gotten the account they have been calling me several times a day even after I told them to cease calling me. They have been attempt to force me to set up payment arrangements with the. And I have told them I will not pay them bc XXXX is the company I have the contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ballybunion Enterprises, Inc (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I had an account with freedom furniture that I opened sometime in XXXX for the purchase of a television. I made my payments as scheduled till XXXX of XXXX when I got out of the XXXX and moved XXXX. I made effort to make payment to the company but they where taking payments out of my account that I did not authorize. I had to close my account to keep them from taking money. I ask for a statement which I never received therefore I stopped making payment because they would not provide me with this information. several years went by and i started getting harassing phone calls and emails with threats about payments. I returned an email stating i would make payments of XXXX dollars which they started taking XXXX dollars each month not what was agreed. After a year i asked the company to send me some type of statement showing what I owed on this account ( not provided again ) where I was told I was n't paying enough and my bill was now XXXX payments behind due to not making full payments of {$280.00} which was not agreed to and that i still owe {$24000.00} for a tv but they would make a one time payoff of XXXX. I again asked for some type of paper work and did n't get it. I again had to cancel my card to stop them from billing me this month they called right away and threaten to send me to court again and told me I now owe XXXX if I pay today. I do n't believe there practice is in anyway legal nor ethical is there anything I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (FL).
Issue: Trouble during payment process

Complaint: My complaint involves my mortgage servicer 's rejection of a principal reduction payment, after several years of accepting such payments. My loan servicing was transferred to Seterus a few years ago. I have a loan modification where my interest payments are escalating to a maximum of 5 %. Under the modification agreement I recently received a credit of {$5000.00} for making timely payments. Seterus subsequently offered to recast my loan ( crediting the {$5000.00} to reduce the principal of the portion of my loan that is subject to interest charges - I have an additional loaned amount where the interest is currently deferred ). I accepted the recast offer. For the last few years I have routinely paid Seterus extra each month, to reduce the principal of my mortgage loan that 's subject to interest charges. These added payments have been accepted and show on my past statement as " principal reduction payments. '' So I was very surprised when I received my XXXX 2017 statement, to see that while I was credited with a {$49.00} principal reduction on XXXX XXXX, 2017 ( made as an addition to my due XXXXX 2017 mortgage payment ), Seterus then reversed that added payment on XXXX XXXX, 2017. The statement was accompanied by a sheet titled, " Explanation for Holding Payments in a Suspense Account. '' That sheet does not refer to principal reduction payments, and its language implies they are holding my principal reduction payment to apply toward my next mortgage payment. ( I had already sent them my XXX 2017 payment before receipt of the statement, consisting of due payment in full plus an additional principal reduction payment. ) This is the first time my principal reduction payment has been reversed. I do n't understand why I can no longer make added payments to reduce principal. I have been unable to reach Seterus customer service by phone after attempting to do so a dozen times. I then sent an email to their email address as listed on my statement, and it bounced back as not being accepted by their server, even though the address is correct. Can you help me get this straightened out?

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (OH).
Issue: Application, originator, mortgage broker

Complaint: Our current mortgage is with Seterus out of XXXX XXXX, Mi. About a month ago we applied to XXXX XXXX Bank in XXXX, Ohio to refi at a lower rate and shorter length. A request by the XXXX to Seterus was summited twice and and it has been almost 3 weeks and still no payoff has been sent to the XXXX. I called yesterday to Seterus and was told it would be XXXX to 2 weeks more before they could process the payoff. This is not acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Problem with fraud alerts or security freezes

Complaint: Went online and paid the {$3.00} requested to have my credit information freeze. Have already completed this process with XXXX ; However, Experian has place many obstacles in my way and making it impossible to establish credit freeze online! Help. 
XXXX 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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: When I obtained a copy of my credit report I noticed that Equifax had my date of birth incorrect. When disputing a few accounts I had asked that it be corrected to show my true birth year which is XXXX. 

To dispute information they require proof of your date of birth which I had included my driver 's license which is an approved document as per their website. This has been going on since last year and they have yet to correct it. Something as easy as a date of birth with documentation they can not even corrected? What does this say about everything they report? I have attached the driver 's license that was also submitted with all my correspondence to them as per their guidelines. They even stated on one of their response to submit a copy of the driver 's license or birth certificate which actually was included in the initial request. That too has been attached. 

Please keep in mind that they would not even respond to a dispute if the proper documentation was not provided and the attachment shows they did respond meaning they had the documentation they required!!! 

If someone did not input my birth correctly at any point then it should have been up to Equifax to question it then because I know my date of birth and would never have put a different year.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Bank account or service (Cashing a check without an account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Account opening, closing, or management

Complaint: on XXXX/XXXX/15 i went to the regions bank XXXX, ga XXXX to cash a {$100.00} check drawn on their bank. they insisted on charging me a 2 % fee ... if this check was drawn on another banking institution, i can see them charging a fee. i just think it 's plain wrong to have to pay a fee to the bank the check is drawn on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have reached out to all the credit breuas and creditors to provide me with validation that the inaccurate information listed below belongs to me. several phone calls, faxes, and letters sent and no response. This is very hard for me to obtain credit and having a negative impact on my future things I am trying to obtain. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 05/18/2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Credit card protection / Debt protection

Complaint: I changed cable companies after XXXX installed their qqequipment on my neighbors roof and their bill eas XXXX times what had been agreed upon.I signed no contract, but noticed on my next American Express statement XXXX had charged XXXX on XXXX XXXX and XXXX more the very next day.I immediately disputed the charge with American express who also assured me XXXX would not be permitted to charge my Amex account again.They charged XXXX the next month and XXXX the following month.I agai disputed the charges, which Amex had said would n't be permitted to be even added to my account.Amex has sided with XXXX in my dispute .How I ACCRUED 850 DOLLARS IN CABLE FEES IN XXXX MONTHS IS BEYOND ME, BUT American EXPRESS STOPPED ME FROM CANCELLING MY CARD WITH ASSURANCES XXXX COULD N'T ROB ME ANYMORE.Amex decided against me before they even got my letter disputing the charges.I had no contract with XXXX and the flier they sent only had XXXX XXXX early termination fee with contract, which I never signed.American Express allowed an unauthorized transaction they had full fore knowledge of from XXXX XXXX when I made my initial dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with M&T BANK CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: hi im XXXX i have a loan with M & T BANK las year XX/XX/2016 the bank said i did not pay my real state property taxes with i did directly to the XXXX city real state tax property department but they insist i did not and they add my real state property taxes as a scrow taxes & insurance so i paid the bank againg because the put me on the credit report agency as a delincuet payment i call them on XX/XX/XXXX and they said they did an invetigation and they found out that i pay the taxes to XXXX real state departemnt so they said i was right now everything its clear but they said i have to contac the credit report borou a fill a complaint to be removed from the bad credit report

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 04/13/2016 about Debt collection (Mortgage) with Ditech Financial LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I have been working with Di-Tech Financial in regards to my loan modification. I have sent numerous faxes followed up by many phone calls. Everytime I speak to someone, they always request the same information that was sent prior to my follow up. When I try to speak to an agent, their voicemails are full and I have to call back. I am usually on hold no less than 15 minutes only to find out the person I was speaking with is not the correct contact person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Experian is in violation of this 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 non-monetary relief
Consumer complaint received 09-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (DE).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I contacted Barclays on XX/XX/2017 ( payment due date ), immediately after I got out of work. I tried to make a payment earlier this day online but I had to add a new bank account and was n't able to do it on the mobile app. I was able to add the new bank account online however when I tried to submit the payment I was not able to online because it said it was after XXXX. I called Barclays at XXXX XXXX. XXXX mins after getting out of work. I was greeted by a rude agent. I told him the problems I was having online while trying to submit the payment he was not helpful at all. I felt like I had to drill answers out him whenever I asked questions. I asked if there would be a late fee and he advised me since its after XXXX there would be. I asked if they could waive it as I am literally 17 mins late. He told me because I had been late before they could not. I 'm looking at my payment history and do n't see where I have been late and of course since he was not helpful at all he did not advise when they had previously waived a late payment. Horrible customer service in my opinion and I work in customer service.

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 09-12-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: Hello. 
In XXXX of 2015 my business checking account was hacked while I was on a business trip in New York. Someone tried to withdraw money in the amount of {$1000.00} and then {$500.00} from my account. I contacted Wells Fargo about this so they issued me a new debit card and checking account number. After this incident, on XXXX separate occasions my checking account was locked and I was unable to access my account online. Each time I had to call Wells Fargo 's customer service to have my account unlocked so that I could access it and view my account online. This occurred again earlier this year and again I had to call Wells Fargo 's customer service to have my account unlocked. 
I was told that the account was locked/frozen due to suspicious activity. However, no one could explain to me why this was happening and why it was happening so frequently. 

In addition, each time that I called, Wells Fargo representatives pushed getting me into new products. Each person pushed a different product but did not fully explain the costs associated with the products. I was told that opening a particular business savings and checking account that moved money between the XXXX accounts each month would prevent me from having to pay the $ XXXX monthly checking fee. This only lasted a few months and then the {$14.00} fee was being taken out of my account again. When I initially opened my Wells Fargo account in XXXX, the representative who opened my account opened it with the " wrong '' account number which caused some problems. I still have the paperwork from the account was opened with a different account number. 

Since the scandal with Wells Fargo came out last week, I now believe fully that my account was XXXX of the accounts that was affected because of several occassions, {$35.00} fees have hit my account causing checks to not clear and ACH debits not to go through which caused additional fees.

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 monetary relief
Consumer complaint received 04-06-2017 about Debt collection (I do not know) with ECMC Group, Inc. (WA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Premiere Credit keeps calling me before XXXX PST I have informed them to communicate with me via email because I refuse to speak with their abusive representatives. Their response is to initiate phone calls starting at XXXX PST. I just received a call on a recorded line from XXXX a sales rep, which I did not give permission because this is a two party state. The number that called was XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (NC).
Issue: Problem with customer service

Complaint: Equifax had the IT breach that everyone has herd of. We ( me, wife and three daughters ) contacted Equifax and were instructed to use the web site to see if our info was part of the hack. My wife and I were told we were and should individually apply via the website for their TrustedID Premier credit monitoring which would be free for at least one year. We did so and as you finish the site says you will receive further info to complete your registration by email in 3-5 days. Six days latter ( yesterday ) I received the email. My wife has not yet received hers. When I open the email it tells you click on the link and follow the instructions to complete you activation of the TrustedID Premier account. The link does not work. Each time I tried yesterday and today I get an HTTP 500 ERROR. There is a provided phone number ( XXXX ) for questions which I have called. A lady whom I told about my experience, She said she would need to verify my identity before she could proceed. After asking the usual question : name, address and SS # ; she then started asking about credit cards, bank accounts, mortgages etc. that I had including balances and payments, opening and closing dates of past accounts, etc. I told her that my wife does all of the bill paying and I do not know balance and payments and also informed her that except one credit card each everything was in both names. She asked about past accounts and who they were with. After telling her again that not even my wife would know the specifics about every account we had ever had. she told me that she could not then verify my ID and she could not help me. I asked about getting another email with the verification link to if that would work and she that is not possible and I could keep trying to use the link I was sent or I could research and get all of the info she required. I do not know of anyone that has a complete record of there entire financial past. I am almost XXXX and started my first business at age XXXX which still exist and own or have owned 5 other companies. I have lived in at least 7 states and try to use local banks when there I have had dozens of account over the years. I did not need this much ID verification to get a securities license or visit the Oval Office. Is this just a way around providing the advertised service?

Company response to consumer: Closed with explanation